Personal Line of Credit |
First Credit Union would like to express the benefits of applying for a line of credit, these benefits include:
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Credit lines from $500 up to $20,000. |
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Competitive percentage rates (determined by credit score) |
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No annual fee |
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No cash advance fees |
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Easy access |
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| Free Overdraft Protection |
| Use your available credit line to provide overdraft protection to your checking account, ensuring that your checks are always covered. There are no overdraft or transfer fees for overdraft protection from your line of credit. |
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| No Balance Transfer Fees |
| Pay off your high interest credit cards and loans with funds drawn from your Line of Credit. |
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| Cash Advances |
| Draw funds from your line of credit anytime without paying cash advance fees. Cash advances can be obtained at any branch, transferring funds into checking via the Telephone Teller, or online when you login to your account through eTeller. |
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Home Equity Line of Credit |
This home equity loan is a line of credit secured by the deed of trust on your home. As you pay back your revolving credit line, your line will renew itself (up to 10 years) you have the option of borrowing again and again. This loan has a variable interest rate.
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| Requirements for a Home Equity Line of Credit: |
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Arizona state residents only |
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Single family dwellings only |
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Primary residence, owner occupied only (Does not include land or mobile homes) |
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Homes with first mortgages with negative amortization are not eligible |
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Homes with interest only first mortgages are not eligible |
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| How to Apply |
| To begin your request for a line of credit please choose from the options below: |
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Complete a Home Equity loan application at any branch or |
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Complete an online loan application. Log in to your account or click the "non-member" button. A First Credit Union representative will contact you. |
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