Personal Line Of Credit Loan

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Personal Line of Credit Loans

One of CFCU's most convenient loans is the Personal Line of Credit (PLC). Similar to a credit card, the PLC gives you access whenever you want, without having to get loan approval every time.  Apply online with our online loan application.

  • Credit limits to $10,000
  • Low variable interest rate
  • Can be used as overdraft protection
  • Minimum monthly payments will be calculated based upon the outstanding loan balance as of the previous month end as follows:
Loan BalancePayment 
$0.01 - $500.00 $50.00
$500.01 - $1,000.00 $51.00
$1,000.01 - $2,000.00$66.00
$2,000.01 - $4,000.00 $104.00
$4,000.01 - $6,000.00$152.00
$6,000.01 - $8,000.00$204.00
$8,000.01 - $10,000.00$248.00


There are three easy ways to access funds from your PLC:

  • Write a check from your CFCU checking account and CFCU will pay the full amount, up to the limit of your PLC
  • Request funds at the branch or call to advance funds into your checking or savings account
  • Use Starline or CU Online as a way to advance money into your checking or savings account