Line of Credit

Plan for the unexpected

A Line of Credit (LOC) from Seattle Credit Union makes things a whole lot easier when life throws you a curveball.

There when you need it

Whether you need to make emergency car repairs, cover bills while waiting for your paycheck, or just need a bit of extra cash, a Seattle Credit Union LOC can be the right tool for you. Even if you don't think you need an LOC now, having one available when unexpected problems occur will make you glad you planned ahead.

Low rates and no origination fees

The rates on Seattle Credit Union LOCs are among the best in the Seattle area, even if you have less-than-perfect credit history.

Because Seattle Credit Union is a not-for-profit financial cooperative, there are no origination fees and no annual fees to keep your credit line active. We also won't hit you with unexpected prepayment penalties when you are ready to pay off the balance.

When you need to borrow against your line, you'll feel better knowing that your credit union is only interested in making sure you get a great loan product at our best possible price.

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Manage Your Monthly Income

An LOC can assist in managing your monthly expenses, especially when income varies from month to month. It can be a great alternative to payday loans and help you avoid the high fees charged by many check-cashing companies.

Anytime Skip-A-Pay

Our innovative Anytime Skip-A-Pay program allows you to skip up to two LOC payments every twelve months with a small processing fee. Anytime Skip-A-Pay gives you the flexibility to deal with unforeseen expenses like home repairs or unusually large credit card bills without causing any damage to your credit score. This feature comes with our LOC, standard. It's just another way we design products to help our members prosper.