Personal Loan
Personal Line of Credit
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Forms and Applications
Payment Holidays
Loan Protection Products

 / Loans / Personal / Personal Line of Credit


Personal Line of Credit

Fast and Easy Access to Funds

What is a Personal Line of Credit?

A Delta Community Credit Union Personal Line of Credit is an unsecured line of credit up to $20,000 that’s based on creditworthiness and ability to repay.

Personal Line of Credit Benefits and Features

With a revolving line of credit you have the freedom to spend funds wherever and whenever you need.

Personal Line of Credit Calculator

Try our credit calculators to answer some frequently asked questions on loan payments, balances and more.

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

Competitive Personal Line of Credit Rates for Your Needs

Choose an unsecured personal line of credit to consolidate bills, pay for unexpected expenses like car repairs, or take a vacation.

Personal Line of Credit9.25% to 17.00%

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

Personal Line of Credit Fees

Copy of Personal Line of Credit Check $3.00
Late Payment Fee $25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH $25.00
Pay by Phone Loan Payment Transfer $8.00
Stop Payment for Personal Line of Credit Check or ACH $25.00

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!

Related Articles

  • How to apply for a loan
  • How do I apply for a loan or to refinance a loan from a different lender?
    To be eligible to apply for a loan, you must be a primary member of the credit union. Joint owners must obtain their own account before applying for a loan. Membership can be applied for online.

    The fastest way to apply for a loan is online. Log into your Online Banking account choose Apply for a loan or credit card under the Loans tab. You may be preapproved within seconds.
    You can also speak to a representative at 1-800-544-3328 or apply at any
    Delta Community CU branch office.

  • Payment Holiday and Eligible Loans
  • What is a Payment Holiday and what loans are eligible?
    A Payment Holiday is an option to skip your consumer loan payment on loans that have been opened for 6 months. You can request a maximum of two holidays per year, but they cannot be two consecutive months. Interest will continue to accrue and the original term of the loan will be extended.

    To request a Payment Holiday, log into your Online Banking account and choose Payment Holiday under the Loans tab.
    • The request can be made up to the loan due date.

    1st and 2nd Mortgage, Home Equity, Single Pay, Overdraft Protection, Business Loans, Business Visas, and Visa* loans are not eligible for Payment Holidays. Consumer loans must be current and opened for 6 months (and liens perfected) to be eligible. Finance charges will continue to accrue as explained in the LoanLiner Credit Agreement and the loan maturity date will be extended.

    For more information on payment holidays, click here.

  • Payment Protection FAQs
  • Does Delta Community CU offer payment protection?
    Yes, the Payment Protection service provides a financial safety net for you and your family by reducing or cancelling your loan in the event of loss of life, if you become disabled or in the case of involuntary unemployment before the loan is repaid. Payment Protection will need to be purchased for each loan that you want protection for. Ex: You can have protection for your car loan but not your personal loan. To request payment protection for your loans, contact us online via the secure Message Center.

    What are the eligibility requirements and restrictions for Payment Protection?


    • Restrictions or exclusions include and are not limited to
      • A normal pregnancy or a 6 month pre-existing condition
      • At the time of a filed claim event, employment with a minimum of 25 hours per week is required

    • Age 70 and over - will cover 25% of balance but not to exceed $12,500.00
    • Restrictions or exclusions include and are not limited to: a 12 month suicide or an 'At Work Clause'. The 'At Work Clause' says if a member is a homemaker, retiree, or a student, they are eligible only if they are performing all of the usual duties of a homemaker, retiree, or student in the normal manner on the date of the initial advance and are not receiving disability benefits from any source.
    Involuntary Unemployment

    • Must be employed for at least 3 months before Payment Protection starts
    • At the time of a filed claim event, employment with a minimum of 25 hours per week is required

    What are the rates for the Payment Protection options?

    The rates are as follows:
    • Option 1: Includes life, disability and involuntary unemployment
      • Single Coverage: $3.75 per $1,000
      • Joint Coverage: $6.75 per $1,000
    • Option 2: Includes life and disability
      • Single Coverage: $2.50 per $1,000
      • Joint Coverage: $4.50 per $1,000
    • Option 3: Life only
      • Single Coverage: $0.75 per $1,000
      • Joint Coverage: $1.25 per $1,000
    Will this protection cover my loan payments in the event of an involuntary furlough, job change and/or layoff if I have involuntary unemployment protection on my loans?
    Yes, it will cover each loan you have the policy on.

    When does Payment Protection expire?

    Payment Protection expires on:

    • The date of death
    • On the date the loan is transferred to another creditor
    • On the date the loan is paid off
    • On the last day of the month notification is received to terminate protection
    • The last day of the month in which the loan is 3 months past due

    What number should I call if I have questions about Payment Protection on my loan?
    For questions about Payment Protection, including claims assistance, you would call CUNA Mutual Group at 1-800-621-6323 or visit www.cunamutual.com. A CUNA representative will speak with you for specifics on your agreement.

    How do I cancel Payment Protection on my loan?

    You may request a form be mailed or faxed to you online using the secure Message Center or by phone. Once you receive the form, please sign and fax the form to 404-677-9455.

  • GAP Protection
  • What is GAP?
    If you have an auto that is totaled or stolen, there may be a difference between the monies owed and what your insurance company will pay. Guaranteed Asset Protection is not auto insurance. It is a deficiency waiver. It will cover the "gap" by paying the difference between your primary carrier's insurance settlement and your loan balance. The GAP payment covers the insurance deductible up to $500 but does not pay for delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

    Note: GAP cannot provide protection beyond two (2) additional payments of the original repayment schedule of the loan. Ex: If you have taken 4 payment holidays, GAP will only cover the monthly payment amounts of 2 of those payment holidays.

    When can I purchase GAP?

    It can be purchased on any automobile regardless of the age or mileage on the vehicle, at the time of a new loan or refinance with Delta Community CU, regardless of whether you had GAP previously. The maximum term for GAP is 84 months. If you are refinancing your vehicle to add additional funds to the loan, you must repurchase the GAP agreement. The original agreement becomes null and void when you add additional monies to the loan.

    If I have GAP and I refinance an auto loan currently with Delta Community CU
    , do I have to purchase GAP again?

    Any time a Delta Community CU car loan is refinanced that has existing GAP, you must purchase the GAP again for this loan to be covered.
    If you are refinancing a car loan that is currently financed with Delta Community CU that does NOT have existing GAP, purchasing GAP is not an available option.

    What is the cost of GAP and is it refundable?
    GAP is available in two primary options; either 'Non-Refundable' GAP at $299.00 or 'Refundable' GAP at a cost of $495.00. All options offer a 60 day trial period.

    I have totaled my car and filed a GAP claim, do I need to make my payment?
    You are responsible for all payments on the loan as agreed on your loan contract. Any overpayments made thru the GAP claim will be reimbursed to upon claim payment.

    What is the time frame for receiving a refund from the GAP if I cancel under the new terms and conditions?

    Please allow 4-6 weeks for a refund. For loans that still exist, the refund will be applied to the loan. If the loan is paid off, the refund will be deposited to your Savings Account.

    If I have purchased GAP, will it interfere with CPI?

    GAP is a product that covers the difference between your primary carrier insurance settlement and the loan or lease balance on a new or used auto or other collateral loan. It will not interfere with CPI.

  • Loan Rates
  • What are the current loan rates?
    Click here to view the current loan rates.

Frequently Asked Questions (FAQs)

How can I increase my personal line of credit limit?

You can apply online by logging in to Online Banking, going to the Loan tab and then choosing Apply for a Loan or Credit Card. Or, you can call our 24-hour lending center at 1-800-544-3328 or visit one of our branches to apply for the increase.

How can I lower my overdraft protection loan limit?

You will need to send a request online through the secure Message Center or you can mail your signed request to:

P.O. Box 20541 Atlanta, GA 30320-2541

You can also fax your signed request to:

Attn: Loan Department

Is it possible to pay more than the scheduled payment due on my Personal Line of Credit every pay period?

Yes. To do this, you can either send a request online through our secure Message Center or fax your signed request to:

Attn: Loan Department.

Please note: If you are set up for ACH payments, your scheduled amount will still show the required payment but the actual transfer amount will be just as you have requested. If your payments are set up as Auto Transfer, the payment due will show your requested amount.

Will my Visa ® Credit Card, Personal Line of Credit or Home Equity Line of Credit limits be decreased if I’m participating in the Member Assistance Program?

Delta Community will notify you if there are any adjustments made to the limits on your existing loans.

Apply for a Personal Line of Credit Now!

Apply online by simply logging in to your Online Banking account, selecting the Loan tab and then choosing Apply for a Loan or Credit Card.

Call Us or Visit a Local Delta Community Credit Union Branch Today

Call us at 800-544-3328 or come into any one of our branches to apply.

Open a Delta Community Credit Union Account

Not a member yet? Apply for an account at Delta Community Credit Union and enjoy great rates and all the other benefits of being a member.

Who is this product right for?

Someone who needs a
personal line of credit for…whatever!


Rates expressed as APR-Annual Percentage Rate. Availability of rates based on creditworthiness and other factors and are current as of the first day of the current month.

Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.