Personal Line of Credit

As low as APR1

You can quickly get the money you need, when you need it—without draining your wallet.

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Don't smash that piggy bank just yet

Get a better rate than your credit card

With rates as low as 12.25% APR1, a personal line of credit can save you a lot of money over time.

Borrow up to $30,000 for whatever you need

Use your line of credit for just about anything, from a new refrigerator to emergency dental work.

Get your money faster

It's easy to get the money you need through online banking, and you're always welcome to call us or drop by a branch.

Protect your loan

Find out how you can protect your loan with Member Protection Plus.


Bills? Covered. Curveballs? We got you.

Sometimes life has surprises up its sleeve. A personal line of credit can be your backup plan for when the curveballs come flying, like:

  • Car and home repairs
  • Replacing major appliances
  • Medical, dental, and vet bills
  • Unplanned, last-minute travel
  • Seasonal expenses like summer vacations or holiday gifts

Personal Line of Credit FAQs

With a loan, you get all of the money at once, and then you pay it back over a set period.

With a line of credit, you borrow the money you need when you need it, up to a set limit. Then, you pay it back over time. Your monthly payment may change depending on how much you borrow. As long as your line of credit is open, you can continue to borrow money and pay it back, up to your maximum limit.

That depends on the type of loan. If you aren’t a Georgia resident, contact us to speak with a loan officer.

With a line of credit, you borrow only what you need, up to the maximum limit. So yes, your monthly payment will change depending on how much money you’ve borrowed from the line of credit.

A home equity line of credit, or HELOC, is secured by your home. This means that if you can’t make your payments, the lender can take possession of your home to pay back the money you owe.

Our personal line of credit is not secured. Instead, we decide whether to lend you money and how much you can borrow based on your credit history.

Check out other ways to borrow


Personal Lifestyle Loan

Wedding bells or hospital bills? No sweat! Borrow up to $50,000 for just about anything you need, at an affordable rate.


Home Equity Loans & Lines of Credit

With a home equity loan or line of credit, your house can be used as collateral to borrow the money you need to take those next big steps.


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1Your Annual Percentage Rate (APR) may be different than APR shown and will be based on a determination of your creditworthiness. Please ask a loan officer for details on how your rate is determined. Subject to credit approval. Minimum monthly payment after each advance is 3% of outstanding balance or $25 minimum.