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Personal Line Of Credit

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
12.75% $500

Rates effective as of 2/19/2026.

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.

Debt Protection is an optional loan feature that may cancel your loan balance or payments in the event of death, disability, or involuntary unemployment. It’s designed to protect your finances and credit during unexpected life events. You can cancel within 30 days for a full refund, and it won’t affect your loan approval or interest rate.