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 a line of credit up to $20,000, based on creditworthiness and ability to repay.

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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.

  • No annual fee
  • No collateral required
  • Competitive rates
  • Flexible payment options
  • Provides overdraft protection for your Personal Checking Account
  • Access funds online or at your local branch

Personal Line of Credit Calculator

Learn More about Personal Lines of Credit


  • Line of Credit Rates

    Competitive Personal Line of Credit Rates for Your Needs

    Choose a Personal Line of Credit to consolidate bills, pay for unexpected expenses like car repairs, or take a vacation.

    Type APR*
    Personal Line of Credit 9.25% to 17.00%
    Type:
    Personal Line of Credit
    APR*:
    9.25% to 17.00%

    *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.

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  • Loan Fees

    Loan Fees

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

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  • Apply Now

    Apply for a Personal Line of Credit Now!

    Apply online by simply logging in to your Online Banking account, selecting the Loans 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 and enjoy great rates and all the other benefits of membership.