Overdraft Personal Line of Credit
Stuff happens! And we understand there might be times when you overdraw your checking account. Eliminate the embarrassment and inconvenience of a returned check with our Overdraft PLC. It’s tied to your checking account and supplies you with funds from a pre-determined and approved line of credit. The line of credit is revolving so you can borrow and repay continuously – a great way to have funds available when you need it.
Sometimes – or most of the time – you just need cash. For those unexpected purchases or even a planned event, an unsecured loan may be the right choice for you. You’ll get access to your funds with a simple option that can cover your smaller, more immediate needs.
Establishing good credit is a smart idea and a great way to prepare for your future, and we want to help set you up for success. The higher your credit score, the more likely you will be to receive better terms and rates on future loans, which could help reduce your payments. A Credit Builder loan is a secure and simple way to start building, or re-building, your credit.
|Overdraft Personal Line of Credit (PLC)||Unsecured Loan||Credit Builder|
|Fast, easy access to cash tied to your checking account when you need it.||Personal loans with fixed rates and terms||A great way to begin establishing credit and prepare for your future.|
|APR||12.75%  (variable)||13.75% (variable)||Instrument rate + 3.0% |
|Rate Type||adjustable based on WSJ + 8.5%||Fixed||Fixed|
|Min Loan Amount||$750||$2,500||$500|
|Maximum Loan Amount||$5,000||$10,000||95% of the instrument balance|
|Term||Revolving||up to 36 months||Equivalent to the term of the instrument|