A simple line of credit. One fixed rate. More control over your borrowing.

Sometimes you don’t need a one-time loan or another credit card. You just want access to funds you can use as needed, without surprises. That’s where our new Personal Line of Credit comes in.

With a fixed 11.99% APR* and a credit limit of up to $5,000, this product gives you flexibility, predictability, and peace of mind.

How a Personal Line of Credit Works

A personal line of credit lets you borrow money as you need it, up to your approved limit. You only pay interest on what you actually use, not the full amount available.

As you repay what you’ve borrowed, those funds become available again, so it’s there when life throws you the unexpected or when you want a little breathing room.

Common uses include:

  • Car repairs or maintenance that can’t wait
  • Medical, dental, or veterinary bills
  • Home projects or repairs, like a new appliance or minor renovation
  • Covering expenses between paychecks or during seasonal income gaps
  • Travel or family expenses that pop up unexpectedly
  • Consolidating smaller balances into one manageable payment
  • Emergency costs, like a broken furnace or urgent home repair

Because you can draw from your line as needed, it’s there when life happens, without having to apply for a new loan each time.

Why Choose a Line of Credit?

A personal line of credit offers a flexible way to borrow with steady terms and clear expectations.

With our Personal Line of Credit, you get:

  • One fixed rate instead of variable credit card rates
  • Predictable payments that make budgeting easier
  • Flexible access without reapplying each time
  • Interest only on what you use, not your full limit

It’s a simple, flexible option for Members who want access to funds when they need them, with clarity and control built in.

Not Sure If This Is Right for You?

We’re happy to talk it through. Reach out to our team, apply today, or stop by a branch to learn more and see if a Personal Line of Credit fits your needs. We’re here to help you choose what works best for you.

Apply Today

*APR = Annual Percentage Rate.
Rate shown is current as of 11/01/2025 and is subject to change. Credit limits are up to $5,000. Rates, terms, and approval are based on creditworthiness and other underwriting criteria. Membership eligibility required. Other terms and conditions may apply.