Some expenses you see coming. Others just show up.
A personal line of credit gives you access to funds you can use anytime, without having to reapply each time you need it.
How this works in real life
You're approved for a set limit, and from there, it's yours to use when you need it.
- Car repair you didn't plan for
- Covering a gap between paychecks
- Backup for your checking account
You can draw from it, pay it down, and use it again.
What to expect
- Borrow up to $25,000
- No collateral required
- Revolving access to funds (similar to a credit card, but with a set limit)
- Can be linked to checking for overdraft protection
Where it fits
This makes the most sense if you:
- Want flexibility instead of a one-time loan
- Like having a backup in place before you need it
- Don't want to apply for a new loan every time something comes up
Rates
As low as 12.75% APR*
Line of Credit (Unsecured)
Features & Benefits
- No collateral needed
- Borrow up to $25,000
- Revolving credit line
- Submit a Debt Protection Claim
Fast Response
Once we receive your application, we’ll contact you promptly to get everything finalized.
Overdraft Coverage
Use your line of credit to cover overdrafts on your checking account.Disclosures
Effective Date: 10-01-2026
*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Advertised “as low as” annual percentage rates assume excellent borrower credit history. Your rate and/or term may vary depending on credit qualifications, amount financed, and other factors. The lowest rate shown is for well-qualified borrowers. All loans are subject to final credit approval.
Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.
Line of Credit (LOC) Rates: The APR shown above is the lowest adjustable APR currently offered. The interest rate and corresponding APR for each Line of Credit are determined using the Index plus a margin based on the borrower’s approved risk tier. The Index is the quarterly average of the Prime Rate published in The Wall Street Journal on the first business day of each month within the calendar quarters beginning in January, April, July, and October. The Index is adjusted upward to the nearest 0.25% before the applicable margin is added. Available margins are 6.00%, 7.00%, 9.00%, or 11.00%, depending on creditworthiness. The APR will not be less than 10.00% and will not exceed 18.00% or the maximum rate permitted by applicable law, whichever is lower. The APR may change quarterly. The applicable risk tier, margin, and APR will be disclosed at account opening. All loans are subject to credit approval.