Personal Lines of Credit

Help protect yourself against checking overdrafts.1,2,3

Get a flexible Personal Line of Credit.

A Personal Line of Credit can help you get the funds you need. Similar to a credit card, your funds become available again, up to your limit, as you pay down the balance.1

  • Pre-approved credit limit
  • Helps protect against checking overdrafts and can reduce overdraft fees1,2,3
  • Consolidate debts to avoid paying higher interest rates
  • Debt Protection coverage available at low cost4
  • No annual fee

Personal Lines of Credit

Consolidate debts to avoid paying higher interest rates

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1) A Personal Line of Credit must be linked to a United Federal Credit Union (UFCU) checking account.

2) A Line of Credit Transfer Fee will be charged when funds are transferred by UFCU, whether by a teller or automated transfer, to your linked checking account to cover an overdraft. A fee is not charged when you initiate a transfer to your linked checking account. Refer to the UFCU Consumer Fee Schedule for fee amounts.

3) In certain situations, you may still incur a Courtesy Pay Fee or NSF Fee. For example, if your credit limit has been exhausted on your Line of Credit, the transaction may be charged a Courtesy Pay Fee or NSF Fee. Additionally, if you have available credit on your Line of Credit but the available funds are not sufficient to cover the transaction, you may be charged both a Line of Credit Transfer Fee and a Courtesy Pay Fee in order to cover the transaction (if you do not have Courtesy Pay, the transaction will be returned and you would be charged a NSF Fee). Refer to the UFCU Consumer Fee Schedule for fee amounts.

4) Debt Protection products are available independently of credit, are not a condition of credit, are provided by a third party partner and not insured by NCUA. You will receive additional information before you are required to pay for Debt Protection, which will include a copy of the contract containing the terms and conditions of Debt Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection. See the contract for a full explanation of the terms and conditions of the program.

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