personal line of credit

[1] A Personal Line of Credit must be linked to a United Federal Credit Union checking account. [2] In certain situations, you may still incur a Courtesy Pay Fee. For example, if your credit limit has been exhausted on your Line of Credit, a transaction may cause a Courtesy Pay Fee to be charged. 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 a Courtesy Pay Fee in order to cover the transaction; if you do not have Courtesy Pay, the transaction will be returned/denied and you could be charged an applicable NSF Fee. Refer to the Consumer Fee Schedule for fee amounts. [3] 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.