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.
FIXED RATE LOAN
This credit line has a fixed interest rate that won’t change.
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.
Billing occurs monthly, with a minimum payment due each billing period.
Minimum payment will be 5% of the balance or $25, whichever is greater.
INTEREST ON BALANCE
Only pay interest on outstanding balances.
|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.
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.