Instant Access Credit Line
Our Instant Access Credit Line is a variable rate unsecured line of credit. Credit limits of up to $15,000 are available. There are no annual fees and you only pay interest on what you borrow. You apply only once and once you're approved, you can access your credit line up to your approved limit at any time, just by filling out a voucher and handing it to a teller. It's that instant. Credit lines are reviewed annually.
Unsecured Personal Loan
For those who aren’t interested in a variable rate line of credit, we also offer a fixed term, fixed rate personal loan. Amounts up to $15,000 are available, with repayment terms of up to 4 years.
Draft Access Credit Line
(Overdraft Protection)
A great option for those times when you might have underestimated the balance of your share draft account, this credit line offers up to $1,500 in variable rate overdraft protection. The transfer is automatic and you’ll get a monthly bill to remind you when the payment is due. A small fee applies for each transfer.
Secured Personal Loan
When you need to borrow, consider a Secured Personal Loan. You can use any non-IRA credit union account to secure the loan, and you can borrow up to the available account balance. The rate is 4% above the account’s dividend rate, with payback terms of up to 5 years.
