PERSONAL LINE OF CREDIT

Instantly access funds when you need them.

Personal Line of Credit benefits

Much like a credit card, a line of credit gives you immediate access to extra cash when you need it to cover checking overdrafts or to use for short-term cash advances.

Borrow from $500 to $50,000. No collateral required.
Only pay interest on the amount you use
Competitive rates as low as 13.88% APR^{1skip to disclosure}
No annual fee

How does a Personal Line of Credit work?

You can manually advance funds into your checking account for no fee through Digital Banking, the mobile app, or automated phone banking.
Also, in the event of an overdraft on your checking account, the line of credit will automatically advance in increments of $100 to cover the overdraft item. No interest is charged if you pay off the balance the same day, and you'll pay just pennies a day if paid off promptly.^{2skip to disclosure}

Common Personal Line of Credit questions

How is interest calculated? Dropdown, press enter to open.

Our interest rates are 13.88% APR for line of credits over $2,500 and 17.88% APR for line of credits under $2,500. Interest is accrued daily and will be applied to the entire balance until it is paid in full. To avoid any interest charges, simply make your loan payment through Digital Banking or the mobile app to pay off the balance the same day the advance was made.

What can a line of credit be used for? Dropdown, press enter to open.

A Personal Line of Credit can be used for just about everything; including, an overdraft protection account, repairs, expenses like medical bills and school expenses, and more!

How does a Personal Line of Credit compare to a Personal Loan? Dropdown, press enter to open.

Both a Personal Line of Credit and a Personal Loan give members access to money when they need it most. However, unlike a Personal Loan, a line of credit is something that you can draw on more than once. It can also be used as an overdraft protection account, so in the rare instance your account is overdrafted it will automatically transfer money over in increments of $100—saving you an overdraft fee.

Apply for a Personal Line of Credit today.

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Personal Line of Credit APR = Annual Percentage Rate. Rates as low as 13.88% APR. No annual fee. All loans, terms and conditions are subject to credit union qualifications and approval. Rates are subject to change without notice. Some restrictions may apply. Must be a Member in good standing. Other rates/terms available.

If the balance is paid in full the same day the advance occurred, there are no finance charges. Otherwise, daily finance charges are applied to the entire balance until the balance is paid in full.

PERSONAL LINE OF CREDIT

Instantly access funds when you need them.