Personal Lines of Credit
Personal Lines of Credit
USSFCU offers two flexible personal lines of credit — the Easy Line of Credit and the Premier Line of Credit — giving you quick access to funds whenever you need them. Whether you're covering short-term expenses, avoiding overdrafts, or simply wanting a financial safety net, these credit lines provide convenience and control. Once approved, you can access your funds immediately, only paying interest on what you use, and reusing the line as needed.
Find the Right Line of Credit for You
Choose from our two flexible options, each designed to meet your unique financial needs with convenient access and reliable support.
-
Easy Line of Credit:
This credit line is designed for first-time borrowers, those with limited credit experience, or anyone working to rebuild their credit. It offers a manageable limit, helping you cover small expenses or avoid overdrafts on your checking account. With automatic payments from your USSFCU checking account and optional Debt Shield coverage, the Easy Line is a simple, secure way to access funds when you need them most.
-
Premier Line of Credit:
For members with an established credit history, the Premier Line offers a higher credit limit and added flexibility for larger expenses or long-term financial goals. This line of credit features convenient monthly payments and the same optional Debt Shield protection.
Start Your Application Today!
Once approved, you’ll have immediate access to your funds, and with our 24/7 Loan-by-Phone service, you can speak with us beyond regular hours. Call 800.374.2758 at your convenience to apply or review options.
Introducing our new 24/7 Loan-by-Phone service!
Whether it's nights or weekends, we are now available to review applications and make decisions after regular business hours. Call and discuss your loan with us at your convenience at 800.374.2758. Learn more
To qualify for a personal line of credit, you need to have a USSFCU checking account. Not available for business loans. All loans subject to credit approval. Members should not send personal information via email.