Personal Line of Credit

WCCU Personal Line of Credit offer a little extra security when you need it!

  • An automatic line of credit that can be tied to your checking for overdraft protection to cover checks that would otherwise be returned NSF.
  • Also ideal for those situations when you need extra money. When you’re short on cash, you can write yourself a loan by taking advances up to your pre-approved limit.
  • There is no charge to have a Personal Line of Credit available to you. You will only be charged interest when your loan is active and you have a balance outstanding.
  • A Personal Line of Credit requires loan officer approval for a loan limit to be determined.
  • If you have your Personal Line of Credit linked to your checking, transfers will be made for the exact amount needed to cover checks that could otherwise be returned.

For more information about WCCU Personal Line of Credit, contact any of our WCCU locations and we will be happy to assist you.

*Finance charge (interest) begins to accrue on the day the advance is made on the line. The maximum APR for cash advances is 18.00%. Payments are calculated on 2% of the outstanding balance. For example, Payment of $200.00 is based on a loan amount of $10,000. There is no annual fee.  Certain other fees may apply, please refer to the WCCU Fee Schedule for more details.