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.
Line of credit online application
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.