Access funds when you need them.
Whether you're covering an emergency expense or planning a major purchase, a Personal Line of Credit can provide convenient access to available funds when you need them.
Why choose a Personal Line of Credit?
A Personal Line of Credit provides flexible access to funds when you need them, with convenient borrowing options and local service you can trust.
No annual fees
Enjoy convenient access to available funds without annual or application fees.
Access funds when needed
Borrow only what you need, when you need it, and use available funds as your situation changes.
No collateral required
A Personal Line of Credit is available without using your vehicle, home, or other assets as collateral.
Alerts and monitoring
Set up account alerts to help you stay informed about your available credit and account activity.
Debt Protection available
Ask about optional Debt Protection coverage that may help protect your loan payments during unexpected life events.
Use your line of credit your way
From planned projects to unexpected expenses, a Personal Line of Credit provides convenient access to funds when opportunities or challenges arise. Borrow only what you need and use it for a wide range of personal expenses.
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Common uses include:
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Vacation expenses
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Home improvements
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School expenses
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Unexpected expenses
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Paying off higher-interest debt
What our members say
I loved NCU since way back when it was Potlatch Credit Union, almost a lifetime of membership! They’re always so helpful in what ever needs I have. Whether it’s a loan, setting up a new account, or cashing in my change, they do it all!
I love NCU because they are always so easy to work with. I’ve had all of my car loans and personal loans through them, and I can’t imagine banking with anyone else!
I became a customer about 40 years ago because their loan rates were low, they were dependable and knowledgeable, and their customer service was outstanding. The same still holds true today.Thank you for making financial decision-making easy.
Make informed decisions with our resources
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1
Apply
Complete your application online or connect with our team to get started.
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2
Get approved
We'll review your application and help you understand your available credit options.
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3
Access your funds
Use your available line of credit whenever you need it and borrow only what your situation requires.
Financial flexibility starts here
Access funds when you need them, borrow only what you use, and enjoy local service from a team you can trust.
Rates
| Minimum payment | APR* as low as |
|---|---|
|
3% or $50 minimum, whichever is higher |
|
Rates effective as of: August 26, 2026
Rates are variable. $5 membership fee.
*APR = Annual Percentage Rate.
*Not all with qualify for lowest rate.
Repayment terms of 3% of outstanding balance or $50, whichever is greater.
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