Personal Loans

A Personal Line of Credit can give you flexibility when you need it

Even if you've managed to set aside some funds for an emergency, you can’t always be prepared for life’s surprises. At OCCU, we’re here to help when you need it most. Personal credit lines come in handy when you have a large expense that may take a little longer to pay off than a credit card purchase. Our personal credit lines offer you peace of mind when you're faced with unexpected costs like expensive vehicle repairs, unexpected medical bills, or even something exciting, like welcoming a new baby to your family.

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Account details 

Depending on your credit qualifications, you could be approved for a personal line of credit up to $50,000. You can make a withdrawal from the line of credit whenever you like by simply making a transfer to your checking account in Internet or mobile banking, or by visiting a branch. The interest rate is variable based on the prime rate, and will change as the prime rate changes. Minimum payments are calculated at 3 percent of the principal balance, and rounded up to the nearest $5. If you don't have a balance, you won't have a payment due. Plus, there is no annual fee.

Be protected from overdrafts

A personal line of credit protects you from overdrawing your checking account. In the event of an overdraft, funds will be automatically transferred from the credit line to your checking account in $100 increments. This helps you prevent having a transaction declined for insufficient funds.



Annual Percentage Rate (APR)*

*The Personal Line of Credit interest rate is a variable APR based on the prime rate, plus margin. Depending on credit qualifications, the APR is 9.75-24.49%. Rate is current as of 11/1/19
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Thank you again for helping me out last week with that small loan. I am very grateful for you going the extra mile. If you hadn’t been able to help me, I’m not sure what I would have been able to do.

Sarah M.

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