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 $30,000
  • Avoid bounced checks and their fees
  • Once the line of credit is exhausted, we’ll attempt to transfer* funds within the same account number 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

Percent Above Index Daily Periodic Rate Present APR** as Low as
5.50% 0.023973% 8.75%


See which is best for you

Personal Line of Credit

  • Borrow $500-$30,000
  • 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-$30,000
  • 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

Current SEFCU member?

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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-$30,000


View Lines of Credit

More to think about...

* Federal regulations allow only six electronic transfers per month from each savings account.
** Annual Percentage Rate is variable and is subject to change quarterly based on the Prime Rate in the Wall Street Journal on the first day of January, April, July and October. Prime Rate plus 5.5%, currently as low as 8.75% as of today – May 29, 2020 – and subject to change without notice.
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.