Personal Line of Credit


Added peace of mind

Open a SEFCU personal line of credit and forget about bounced checks (and their fees).


access up to


Features & Benefits

Use as overdraft protection

  • Creates a reserve to tap into when needed—up to $5,000
  • Avoid bounced checks and their fees
  • Once the line of credit is exhausted, we’ll attempt to transfer funds from another pre-selected account of yours to cover the transaction.
  • Access your funds by writing a check or using your SEFCU Debit Mastercard®
  • No repayment or interest until you access the money



Current Rates

Present APR** as Low as


See which is best for you

Personal Line of Credit

  • Borrow $500-$5,000
  • Draw on credit as needed
  • No interest until you draw on the credit
  • No payments until you draw on the credit


Personal Loan

  • Borrow $500-$25,000
  • Receive the entire amount in one lump sum
  • Interest payments begin right away
  • Fixed repayment schedule

Learn More

Apply Now

Apply for a SEFCU Personal Line of Credit today

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View documentation required for your loan application

Visit a branch near you

Call 800-727-3328

Financial Education


Personal Line of Credit

Access cash when you need it

Connect to checking account to avoid overdrafts

Credit lines from $500-$5,000


View Lines of Credit

More to think about...

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.
Federal regulations allow only six electronic transfers per month from each savings account.
**Annual Percentage Rate is variable. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today, February 6, 2023, and subject to change without notice. After the account is opened, the Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. As of 2/03/2023, the Prime Rate was 7.75%. Future Prime Rates and corresponding APRs will vary. Rates may vary based on credit worthiness.
These transfers are subject to a fee as shown in the SEFCU fee schedule.
Each member on the account must apply for the Personal Line of Credit.