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Yes. When you make an additional payment, any accrued interest will be paid first and the remainder will be applied to your principal balance. To make a principal-only payment, you may bring cash or a check to our Main Office or Williamsport Office, or mail us a check. You must specify that it is a principal-only payment. Principal-only payments cannot be made electronically.

You can obtain free credit reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com, the official website authorized by federal law. Free online credit reports are available weekly from each of the three credit bureaus. You may also request your reports by calling 877-322-8228.

Please note: A credit report does not include your credit score.