With a personal line of credit, get fast and easy access to cash to finance big projects or simply be prepared for life’s many expenses.
- Low, fixed rates
- No annual fees
- Ability to draw on funds as needed
- Generous credit limits up to $50,000
- Borrow only what you need, with no collateral required
- No set terms – allowing you to use funds and repay as often as you wish
Use your personal line of credit to:
Act as overdraft protection.
If you’re short on funds when paying bills, writing checks, or using your debit card, you can use your personal line of credit to cover the transaction – preventing you from declined payments or “bounced” checks. Funds are advanced in $100 increments.
Learn More >
Pay off other high-rate debts to save money on interest and simplify your life by reducing your number of monthly payments.
Finance projects or plans.
Improve your home, cover wedding expenses, plan the vacation of your dreams, and so much more.
Prepare for the unexpected.
Stress less when you have a personal line of credit available to handle vehicle repairs, medical and veterinary bills, or other financial surprises.
We make the process easy!
Apply online in 10 minutes or less.
Sign Your Documents
We will send you the loan documents to sign electronically.
Access Your Funds
Once your documents are signed, you’ll have full access to your funds! Link to your free RCU checking account to easily access your funds.
Looking to close out an existing line of credit at another financial institution?
We recommend applying for an RCU signature loan. This way, you'll enjoy the peace of mind that a fixed payment brings, and the convenience of having all your loans in one place. If you'd like more information, or would like a personalized recommendation from one of our specialists, call 1 (800) 479-7928.