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Line of Credit

Be ready for whatever comes your way

Open a personal line of credit and have the funds you need available when you need them.

Open a Personal Line of Credit

Overview

Enjoy the peace of mind knowing that funds are available when you need them to make purchases, cover accidental overdrafts, pay for unexpected expenses, or finance projects or plans.

Highlights

Funds for almost anything

With a personal line of credit, there are very few restrictions on how you spend the money. Use it for anything from home improvements to your next big project.

No collateral required

You don't need to own property to open a personal line of credit. The loan process is typically faster because it's not as complex.

Low fixed rate

Personal lines of credit have a low fixed rate, and interest is only charged on the amount you draw.

No annual fee

Open a personal line of credit with no additional costs or annual fees to keep more money in your wallet.

$500 minimum line of credit

You don’t have to qualify for a large line of credit. RCU offers smaller lines of credit as low as $500 to suit any need, budget, or financial background.

Estimate your monthly payment

Let's see what your monthly payment could be

Monthly Payment

Loan Amount
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Rate
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Term Months

This calculation represents an estimate

How to get a line of credit

Once you're approved for a line of credit, you can draw from it as needed for a variety of expenses.

  • 1

    Step one

    Apply online.

  • 2

    Step two

    Get approved.

  • 3

    Step three

    Draw from the credit line as needed and pay back regularly.

Open a Personal Line of Credit

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

Consolidate your debts

Consolidate your debts by paying off credit cards and outstanding loans with a personal line of credit and make one low-interest monthly payment.

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Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Contact Us Schedule Appointment

Add some flexibility to your financial situation

Get access to the funds you need when you need them with a low-interest personal line of credit.

Open a Personal Line of Credit

  • Rates are effective June 22, 2025 and are subject to change without notice. Certain restrictions may apply.

Rates

 

Line of credit online application

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(Only takes 10 minutes, eligibility requirements below)

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Eligibility

You can apply for a loan through RCU if you meet any of the following criteria:

  • You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
  • You are an immediate family member of a current RCU Member.
  • You work for a designated Select Employer Group.

PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

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