Be ready for whatever comes your way
Open a personal line of credit and have the funds you need available when you need them.
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.
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Highlights
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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.
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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.
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Low fixed rate
Personal lines of credit have a low fixed rate, and interest is only charged on the amount you draw.
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No annual fee
Open a personal line of credit with no additional costs or annual fees to keep more money in your wallet.
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$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
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1
Step one
Apply online.
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2
Step two
Get approved.
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3
Step three
Draw from the credit line as needed and pay back regularly.
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.
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That's how many chats, emails, and calls were served by our local Member Service Center in 2020.
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Best in State Credit Union by Forbes Magazine
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.
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
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.
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Rates are effective August 11, 2022 and are subject to change without notice. Certain restrictions may apply.
Rates
RCU's online application
Not a Member?
All RCU loans require Membership with the Credit Union. Start your application now, it only takes a few minutes!
Already a Member?
Log in to RCU online banking to start your prefilled application.
You can become a Member of RCU if you meet any of the following:
- 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.
Already applied in person or over the phone?
To check the status of your loan, view any loan conditions, or to upload any requested documents.
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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