You never have to worry about a declined card again!

Keeping an open Line of Credit is free, and you only pay interest on the money you use. Personal Lines of Credit are available from $500 to $15,000 and can also be used for overdraft protection from your Debit/Checking account to avoid overdraft fees.


How It Helps You

How It Works

Save Money  Saves Money

Eliminates overdraft fees

Save Time  Saves Time

Quick application and approval process both in-branch and online

Convenience  Convenient

Automatic payment options

Peace of Mind  Peace of Mind

Overdrafts are covered and the funds are available when you need them

Additional Features


No fees


No prepayment penalties


Variable interest rates


Loan amount $500 – $15,000


Minimum payment – $25 or 3% of the unpaid balance, whichever is greater


If Debit/Checking account is overdrawn, the Line of Credit will automatically transfer enough funds to cover the overdraft.


Credit-Life/Disability Insurance available. This plan makes the member’s loan payments should they become disabled, deceased or unemployed.

What Are The Differences Between The Various Types Of Personal Loans?

The chart below explains the differences between the personal loans that we offer.


Personal Line of Credit

Personal Loan

Share Secured Loan

CD Secured Loan

Fixed Interest Rate

Variable Interest Rate

Lump Sum Amount with a Fixed Term and Payments

Draw Money As You Need It

Pay Interest Only on the Amount You Draw

No collateral required

Even More To Love

Check out these other great products and services from ACU!


Choose from three types of Debit/Checking accounts to fit your lifestyle!


This payment protection plan can pay off your loan in the event of death, or make payments on your behalf in the event of a disability.

Ready to Apply For a Personal Line of Credit?

The application only takes a few minutes!

*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Browser Warning

It looks like you’re using a browser that we no longer support. Unsupported browsers have vulnerabilities that make visiting sites less safe.  Please, upgrade your browser to improve your experience. We recommend that you use the newest version of one of the modern browsers for the best experience and to help protect your information from being compromised.