On Demand Credit Line

An On Demand Credit Line, also known as a Personal Credit Line, is a loan that can be used as overdraft protection if you overdraw your checking account. Available funds in your credit line will be automatically transferred into your checking account so you don’t bounce any items.


FEATURES

FIXED RATE LOAN

This credit line has a fixed interest rate that won’t change.

REVOLVING CREDIT

Like a credit card, when you make a payment, that amount is available for use.

LINKED TO CHECKING

This credit line can be integrated directly with your checking account.

$2K CREDIT LIMIT

You may borrow up to $2,000 with a Personal Credit Line.

USE AS A LOAN

You can use a credit line like a loan, but at the same time it offers more flexibility.

BILLED MONTHLY

Billing occurs monthly, with a minimum payment due each billing period.

MINIMUM PAYMENT

Minimum payment will be 5% of the balance or $25, whichever is greater.

INTEREST ON BALANCE

Only pay interest on outstanding balances.


RATES

Type APR
On Demand Credit Line 14.00%

APR = Annual Percentage Rate. APR is effective as of 12/15/2016 and is a variable rate. An overdraft protection transfer fee up to $3 may apply based on your Member Rewards level and will be charged to your checking account.



Apply-now-cta
You can apply for most of our loan products online. Our online loan application offers quick results, sometimes letting qualified applicants know of approval instantly.

If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into our Online Banking system. That way we can save you time by pre-filling the application with the general information we already have on file for you.