Personal Line of Credit Features

Our Personal Line of Credit allows you to borrow between $300-$10,000 to help cover life's surprises. You can keep borrowing money from your line and paying it back each month, paying interest only on the amount that you borrow.

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Competitive rates.
Our low competitive rates offer you an affordable monthly payment.
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No collateral needed.
Our simple application only requires a signature, no collateral is needed.
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No restrictions.
Use the money on any planned or unplanned expense you'd like.
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Easy access.
Access your money through online banking, the mobile app or in branch.
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woman with dog applying for a personal line of credit
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Quick application process.
Apply online 24/7! Your application will be reviewed locally by one of our loan experts.

Personal Line of Credit Rates

Affordable flexibility to get the money you need, when you need it.
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*APR = Annual Percentage Rate. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards. The maximum unsecured amount that can be financed is $10,000.

Personal Line of Credit
Product Type
Credit Line Range
APR* as low as
Product Type
Personal Line of Credit
Credit Line Range
$300 - $10,000
APR* as low as
9.25%
Effective November 8, 2021

*APR = Annual Percentage Rate. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards. The maximum unsecured amount that can be financed is $10,000.

Flexibility defined.

  • Car repairs.

    Car repairs can be expensive. Use our Personal Line of Credit to cover costly maintenance or unexpected repairs without draining your savings account.

  • Medical bills.

    Help cover medical bills for an upcoming surgery, routine care or a cosmetic procedure. No matter what you need, the money will be ready.

  • Emergencies.

    A broken furnace, water heater or refrigerator. It isn't always possible to pay for these items in cash. Have confidence your next emergency is covered.

  • Home remodel.

    Update your kitchen, remodel your bathroom, or add an addition. Turn your house into the home you have always wanted.

  • Debt consolidation.

    Consolidate multiple debts into one monthly payment. Save money on interest, pay down debt faster and lower your monthly payment.

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Borrow as much as you need, at any time.
Our Personal Line of Credit is an open-ended or revolving account. You can borrow money and pay it back without having to reapply, when paid in full. Don't forget, you only pay interest on the amount that you borrow!
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One Affordable Solution

Our Personal Line of Credit can.

Copper State Credit Union understands that life is a journey full of twists and turns, and nobody can be fully prepared for all that's in store. We know you will have hard decisions to make that strike a balance between your financial future and living a fulfilling life right now, today. No matter what you need to make those decisions a reality, we are here for you and we have the solutions you need to make it all possible.

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Member Since 2013
Billy M.

We have been with Copper State Credit Union for years now. We have our mortgage, all of our cars, two bank accounts and one business account and we love it there!

The best customer service. Our 15 year old just opened and account last week. Customers for life!

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Have a Question?

Frequently Asked Questions

What is the difference between a Personal Loan and a Line of Credit?

Personal Loan: Once your loan application is approved, you receive your loan money as a lump sum. You’re typically required to start making at least minimum payments and will pay interest on the money you’ve borrowed right away.

Personal Line of Credit: This is essentially a reusable loan. You can borrow up to a certain limit, make minimum payments, pay interest, pay off your balance and borrow again.

Do you a Personal Loan available for those trying to boost credit?

Yes! Our Share Secured Loan can help you boost your credit score and offer an instant approval with no credit check. Your account balance serves as collateral instead.

What is the difference between an interest rate and APR?

The interest rate of a loan is the amount of money you are charged for borrowing money. Annual Percentage Rate (APR), is your interest rate stated as a yearly rate. It can give you a good estimate of how much it will cost to take out your loan.

Do you offer loans for Business Members?

Yes! We offer a variety of business deposit and loan products. Our loans include Business Auto Loans, Commercial Real Estate Loans and Business Credit Cards.

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Disclosure

All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required.