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Revolving Line of Credit

What is an unsecured open-ended revolving line of credit? It is a revolving line of credit that allows funds to be borrowed, repaid and then borrowed again. It requires no collateral to secure the credit line, though members' credit score must be higher than what our normal signature loan requires.

 

Credit Will Be Re-Evaluated Annually

 

Credit Advances

Borrowers can obtain credit advances indefinitely, unless an annual credit review warrants otherwise, up to their approved credit limit.

Access Limitations on Line of Credit

There is no minimum initial advance required and there will be no maximum on the number of advances made per year.

It is understood by the applicant that ANY transactions done within their membership (Joint members included) that result in an overdraft will be subject to the Overdraft Protection from their unsecured open-ended revolving line of credit if they opt for such election.

Payment Amount

3% outstanding balance or $25, whichever is greater.

Fees

$2.00 per Advance

Credit Score

Rate

Amount

A+ 750+ 10.74% $3,000
A 701 - 749 10.99% $2,500
B 651 - 700 11.49% $1,500
C 601 - 650 15.24% $1,000

 

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© 2020 Highway Crossroads Credit Union