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Personal Lines of Credit

Get Cash When You Need It

A personal line of credit gives you access to additional funds that can help you manage unplanned expenses, rebuild your credit or be used as overdraft protection** for your checking account. Enjoy the benefits of:

  • Revolving, open line of credit
  • Low rates
  • Fewer fees
  • Flexible terms
  • Easy online application
  • Quick approval process
  • No prepayment penalties
  • Convenient line advances at the teller window, Online Banking or ATM


Ways to Apply

Debt Protection***

Protect your family from unexpected events that could leave them struggling to make ends meet. This optional protection may cancel your loan payment or balance in the event of disability, death or involuntary loss of employment.

*APR = Annual Percentage Rate with rates as low as listed rate. Rates range from 9.69% APR to 17.44% APR. Subject to credit approval. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness and loan-to-value. Membership eligibility restrictions and qualifications apply. Membership requires a $5 opening deposit plus a $5 one-time, nonrefundable membership fee. Not all applicants will qualify.

**You may choose an overdraft protection plan that “links” your accounts in order to cover your overdrafts. You can tell us to “link” a savings or loan account to your checking account, so if you cause an overdraft, we will transfer money from your linked account to pay the overdraft. If there’s not enough money in any of your linked accounts, your transaction may be rejected, and the item will be returned to the merchant. If you have no money available in any of your linked accounts, there may be an NSF fee of $35.00 each time we reject an item. There is a transfer fee of $5.00 each time we transfer funds from your savings, checking or money market account. There is no transfer fee if we transfer funds from your line of credit or credit card. If you link a line of credit or credit card account to pay overdrafts from your checking account, amounts will be added in increments of $50.00. Fees will be added to the balance and interest will accrue on the entire balance at the rate disclosed in your line of credit or credit card agreement. Any overdrafts on your checking account will be added to your line of credit or credit card, even if the owner or authorized user of the checking account who causes the overdraft is not a borrower on the line of credit or credit card. Transfers from your credit card will be charged as cash advances and may incur a higher annual percentage rate. There are no limits on the total fees we can charge for overdrawing your account. We may increase fees at any time. See our Share Rate and Fee Schedule for the most current fees.

***Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP, GAP-4322423.1-0222-0324