Your Safety Net for Life’s Suprises······
Life doesn’t always go as planned. A Personal Line of Credit gives you flexible access to funds at lower rates than most credit cards, with built-in overdraft protection when you need it most.
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stay ready for your next move
Get up to
$25,000
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Only Pay for What You Use
Interest applies only to the amount you borrow — not your full credit limit!2
Built-In Peace of Mind
Your line of credit doubles as overdraft protection for your checking account.2
Rates1
FICO
Annual Percentage Rate
Maximum Credit Line
FICO ≥720
12 Months —
$25,000
FICO 680-719
11.90%
$25,000
FICO 640-679
13.90%
$25,000
FICO 600-639
15.90%
$25,000
FICO ≤599
17.90%
$25,000
Member Perks
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✓10-Day Payment Grace Period: Extra time to manage your payments and less stress.
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✓Boost Your Benefits: Pair your line of credit with a Shield Elite Checking Account for even more rewards.
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✓Exclusive Financial Advantages: Access high-yield flexible certificates and enjoy lower borrowing rates.
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✓Personalized Member Support: To us, you’re not just a number—our team is here for you.
Frequently Asked Questions
What Can I Use a Standard Personal Line of Credit For?
Our Standard Personal Line of Credit can be used for various purposes: consolidating debt, financing home improvements, covering medical expenses, funding vacations, or managing major life events like weddings or moving.You have the freedom to use your funds however you would like!
Are there fees associated with a Standard Personal Line of Credit?
Some Lines of Credit come with fees: such as origination fees, late payment fees, or prepayment penalties. At DFCU, the only fee you can expect is with late payments. Late payment charge (more than 10 days late) consist of 20% of the interest due that month.Enjoy NO application or pre-payment penalties.
How long does it take to get approved for a Standard Personal Line of Credit?
Typically at DFCU, with this product, if you apply in the morning you will obtain a response the same day.3Disclosures
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No minimum FICO score is required. Monthly payments are calculated at 2.5% of the outstanding balance. Rates, terms, programs, and conditions are subject to change without notice.
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Please consult with a financial advisor regarding your specific situation. The statements provided are general guidelines.
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