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Personal Line of Credit

No Annual Fee. No collateral required. Access funds anytime

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Access Cash on Your Terms with a Personal Line of Credit

A Personal Line of Credit provides ongoing access to funds for emergencies, home projects, or other personal needs. Once approved, you can borrow up to your available limit, repay, and borrow again - without the need to reapply. Interest is only charged on the amount you use, giving you flexible and convenient borrowing power when you need it most.

Line of Credit Features

  • Credit Limits: $500 up to $30,000
  • Funds become available to use again once your credit line is repaid
  • Interest is only charged on the funds you use
  • Get easy access to funds through online and mobile banking
  • May be used as overdraft protection for your checking account

Features & Benefits

  • No balance? No interest

  • No Annual Fee

  • No Collateral Required

  • Reusable credit—borrow, repay, and borrow again

Personal Line of Credit Rates
APR as low as Minimum Loan Amount
13.00% $500

Rates effective as of 11/7/2025.

Repayment: Monthly payments based on outstanding balance (minimum $50 or 2% of balance, whichever is greater)

Maximum APR: 18.00%

Variable Rate: May change with the Prime Rate

 

Rate Disclosures

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.

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There is no annual fee and no collateral required. A nominal fee applies for the Skip-a-Payment option.

You can transfer funds instantly via Online Banking, Mobile App, or by requesting a check.

A Personal Line of Credit is a revolving credit account that allows you to borrow funds up to your approved limit, repay, and borrow again as needed—without reapplying.

The minimum payment is $50 or 2% of your outstanding balance, whichever is greater.