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​Personal Lines of Credit

 

Fast cash when you need it.

A line of credit (LOC) gives you access to ready money, up to your approved credit limit. All without applying for a loan or setting up payments. 

Use the funds you need, pay the interest monthly and the balance when you choose, without penalty.

LOCs are commonly used for overdraft protection, to finance a large purchase and to cover education costs.

We can help you meet your financial needs with these LOCs, all based on approved credit. 

 
 

Choose a line of credit

 

Personal Line of Credit*

Ready money, low interest rates and the flexibility to pay back the balance on your own time while you make monthly interest payments.

Secured Line of Credit Rate

as low as

5.99

Unsecured Line of Credit Rate

as low as

6.99

*APR. Rates are subject to change at any time

Student Line of Credit*

We realize the financial burden put on students so we offer low-interest rates so you can study with peace of mind.

Student Line of Credit Rate

as low as

5.00

*APR. Rates are subject to change at any time

MeritLine Home Equity Line of Credit*

If you’re a qualifying homeowner, you can use your home equity as security to lock in our lowest rate.

MeritLine Home Equity Line of Credit Rate

3.45

*APR. Rates are subject to change at any time

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Personal Loan

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Cash Back Visa Credit Card ​↗

Put extra dollars back into your wallet with no annual fee.