Routing #: 28158144

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Personal Line of Credit

Life is full of surprises, both big and small. From unexpected car repairs to once-in-a-lifetime opportunities, having the flexibility to handle whatever comes your way is essential. That's where our Personal Line of Credit shines.

Why Choose Our Personal Line of Credit?

  • Flexible Access: Need cash in a pinch? With our Personal Line of Credit, you have on-demand access to funds whenever you need them. Whether it's unexpected medical bills, home repairs, or any other urgent expense, your funds are just a click or call away.
  • Up to $25,000: Sometimes you need more than just a little extra cash. Our Personal Line of Credit allows you to borrow up to $25,000, giving you the financial flexibility you need to tackle whatever life throws your way.
  • Revolving Credit: Unlike traditional loans that provide a lump sum, our Personal Line of Credit is a revolving credit line. This means you can borrow what you need, when you need it, without the hassle of reapplying for a new loan every time.
  • Budget-Friendly Interest: We offer competitive interest rates, ensuring that you save more on your borrowing. Plus, you'll only pay interest on the amount you actually use, keeping your costs low and manageable.
  • Peace of Mind: Life is unpredictable, but your finances don't have to be. With our Personal Line of Credit, you can rest easy knowing that you're prepared for whatever comes your way.

Ready to Get Started?

Don't wait until the unexpected happens. Speak to one of our knowledgeable loan officers or member service representatives today to learn more about how our Personal Line of Credit can help you stay financially secure, no matter what life throws at you.

Apply for a Personal Line of Credit

What Our Members Say...

You guys are always so helpful and easy to deal with. Plus you offer great rates!

-Kristin C.

OFCU always has the best rates and the customer service is incredible!

-Mikayla B.

I love that its more for the members then the money! No fees and great workers.

-Jennifer M.

Certificate Secured Loan

When you invest in a certificate, you're committing to a specific term and earning dividends along the way. But what if life throws you a curveball and you need that money before the term ends? Our Certificate Secured Loans provide you with the flexibility to access your funds without facing costly early withdrawal fees. Say goodbye to penalties and hello to financial freedom.

Key Features of Our Certificate-Secured Loans:

  • Avoid Early Withdrawal Penalties: With our Certificate Secured Loans, you can access your funds without incurring hefty penalties. Whether it's for unexpected expenses or seizing a time-sensitive opportunity, your savings remain accessible when you need them most.
  • Continue Earning Dividends: Even as you utilize your certificate as collateral for a loan, your savings continue to work for you, earning dividends throughout the loan term. It's the best of both worlds – access to your funds and continued growth of your savings.
  • Flexible Borrowing Options: Whether you're consolidating debt, planning a dream vacation, or tackling unexpected expenses, our Certificate Secured Loans offer borrowing options ranging from $500 to $500,000. Enjoy the financial flexibility to pursue your goals, whatever they may be.

What You'll Get:

  • Fixed-Rate, Fixed-Term Loan: Our Certificate Secured Loans come with the stability of a fixed interest rate and term, ensuring that your monthly payments remain predictable and manageable. Say goodbye to fluctuating rates and hello to peace of mind.

Ready to Make Your Money Work for You?

Don't let early withdrawal penalties hold you back from accessing your funds when you need them most. Speak to one of our dedicated loan officers or member service representatives today to learn more about how our Certificate Secured Loans can help you achieve your financial goals with confidence.

Savings Secured Loan

Your savings are more than just funds tucked away for a rainy day—they're a valuable asset that can help you achieve your financial goals. With our Savings Secure Loans, you can leverage your savings without depleting them. Whether you're building credit from scratch or rebuilding your credit profile, our loans provide a path to financial empowerment.

Key Features of Our Savings Secure Loans:

  • Build Your Credit Profile: Making timely monthly payments on your Savings Secure Loan can have a positive impact on your credit history. Take control of your financial journey and watch your credit score soar.
  • Earn Dividends While You Borrow: While your savings serve as collateral for your loan, they continue to work for you by earning dividends throughout the loan term. It's a win-win situation—you access the funds you need while your savings grow.
  • Flexible Terms: Depending on the amount borrowed, our Savings Secure Loans offer terms of up to 60 months. Choose a repayment schedule that fits your budget and financial goals, whether you're paying off debt or funding your next tech innovation.

What You'll Get:

Stability with Fixed-Rate, Fixed-Term Loans: Enjoy the peace of mind that comes with a fixed interest rate and term. With predictable monthly payments, you can confidently plan for your financial future.

Ready to Take the Next Step?

Don't let a lack of credit history hold you back from achieving your dreams. Speak to one of our dedicated loan officers or member service representatives today to learn more about how our Savings Secure Loans can help you build credit and unlock new possibilities.

Disclosures

APR = Annual Percentage Rate. Loans subject to credit approval. Rate may differ depending on borrower creditworthiness and underwriting factors.
 

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