personal line of credit

Ever find yourself a little over-extended? There are just some things that get away from you or come up unexpectedly and throw you off balance. A SunWest Personal Line of Credit gives you flexibility in your financial plan and helps you prepare even for those moments you can’t always see coming.

features you can appreciate

overdraft protection
mobile banking
zelle + mobile wallet

you’ve got backup

A Line of Credit with SunWest Credit Union gives your budget breathing room with quick access to funds. Transfer money online to your checking account and make purchases with your debit card, make a cash withdrawal at one of our locations, or use your Personal Line of Credit as Overdraft Protection for your checking.

rates coming in hot

At 15.50%, our Line of Credit rate is lower than most credit cards, giving you a budget-friendly, responsible credit option.

spin me right ‘round

Your revolving credit line is replenished with each payment, allowing you to draw funds whenever you need, however many times you need.

no collateral required

No strings attached with your Personal Line of Credit. This unsecured credit option doesn’t need the deed to your house or car title, just a signature.

low monthly payments

Unlike credit cards which base your minimum payment on the total balance, a LOC calculates it as 3% of the midpoint per $1,000 increment, so you pay it off faster, saving yourself interest.

stunning versatility

This little guy gives you the capability to do big things. The only limit is your imagination…and your actual credit limit, I suppose. Need some ideas?

  • Set it as Overdraft Protection to cover charges when you don’t have enough in your checking + avoid overdraft fees

  • Cover bills until your next paycheck hits

  • Use it for emergencies

  • Make a large purchase like a new laptop or replace broken dryer

  • + whatever else that brain of yours can think up!

plan for potholes

Imagine riding your bike down a road littered with potholes, loose gravel flying at you, asphalt melting in the Arizona sun. You could be Lance Armstrong and still hit one of these obstacles, slowing your progress and bucking you off your bike. A SunWest Personal Line of Credit is like having top-of-the-line protective gear that helps you avoid major financial road rash.

Don’t let the unexpected knock you off your path to financial wellness. Apply today for a Personal Line of Credit to secure your back-up plan and keep pedaling towards financial freedom.

how do i access funds from my line of credit?
if i pay my balance in full is the line closed out?
how do i calculate my minimum payment?
is it better for my credit to pay off my balance or minimum payment?
is there a grace period on interest for line of credits?