Executive Reserve Account

Scient’s Executive Reserve Account (ERA) is a line of credit loan that can be used as overdraft protection or to obtain funds.

  • If an overdraft occurs in your checking account and you don’t have enough to cover it in your share savings account, a free transfer can happen automatically from your ERA
  • Minimum loan amount of $500, maximum of $10,000
  • Obtain funds from your ERA by coming into a service center for a loan advance or do a transfer through online banking
  • Monthly payment is $20.00 or 2% of outstanding balance, whichever is greater


 TermAnnual Percentage Rate (APR)How to apply
Executive Reserve Account/Line of CreditRevolvingAs low as 12.00% APR*Apply Now
*APR = Annual Percentage Rate. Rates subject to change without notice. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply.

Contact Us  Scient Bullet   877 860 6928 x1904   Scient Bullet   Find a Scient service center

You and Your Credit
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