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ROUTING NUMBER: 307070050
PERSONAL LINE-OF-CREDIT 101
When you’re approved for a personal line-of-credit, you have a credit limit (similar to a credit card) to borrow against whenever you need for as long as the draw period lasts. Then, just make payments on what you’ve borrowed on a rolling 30-month term.
FIXED INTEREST RATE
Our personal lines-of-credit feature a flat 11.50% APR*. No variable rates, and no higher rates based on credit.
NO MAINTENANCE OR ORIGINATION FEES
$0 to open. $0 maintenance. You just pay interest on what you borrow!
BORROW UP TO $30,000
If you need a higher balance than you may have available with a credit card, a personal line-of-credit may be just the thing.
TAKE WHAT YOU NEED, WHEN YOU NEED IT
No need to start paying on a lump sum like you would with a loan. With a person line-of-credit, make payments only on the amount you draw.
PERSONAL LINES-OF-CREDIT ARE PERFECT FOR:
Consolidating Debt
With a fixed interest rate that’s lower than a lot of credit cards, a personal line-of-credit is great for reducing monthly payments and paying down high-interest debt.
Paying For A Project
Home renovations, an outdoor construction project and more—a personal line-of-credit is a great option for all!
Covering An Overdraft
A personal line-of-credit can act as your overdraft draw account, covering expenses if you don’t have enough in checking and saving you from fees incurred from overdrafts and bounced checks.
Planning A Special Event
Personal lines-of-credit are a worry-free way to pay for a wedding, a graduation, or any other event.
MANAGING FINANCES? READ ALL ABOUT IT!
Get Started
Three easy ways to open your account.
Click
Open your account online when it works for you - 24 hours a day, 7 days a week.
Call
Give us a call, and a member service representative will help you get started.
CALL 1-800-880-5328
Visit
Stop by any of our convenient branches to apply for your personal line-of-credit.
* APR = Annual Percentage Rate. Subject to credit approval, eligibility, and credit qualifications. Personal line-of-credit may be reduced or additional extensions of credit may be limited if certain circumstances occur. Minimum Payment: The minimum payment will be calculated at the time of an advance by amortizing the new balance over a period of 30 months; minimum payment $35.00. Other restrictions may apply. See a representative for complete details. Membership eligibility required.
