The low-rate, flexible way to get the funds you need, while helping to protect from overdrafts
When life throws an unexpected expense your way, tap into your personal line of credit. A Members Choice Personal Line of Credit helps you manage your balance on your own terms, with low, variable interest rates and no annual fees.
Rates as low as 6.99% APR*
Flexible, no-hassle credit
Save on fees
A Members Choice Personal Line of Credit (PLOC) is a flexible way to get the cash you need and has a low, variable interest rate. You can access your line of credit by using your Members Choice Debit Mastercard linked to your checking account. Your line of credit can also be used as overdraft protection for your checking account.
Personal Line of Credit benefits:
- Once your Personal Line of Credit (PLOC) is active, you have access to a pre-approved credit limit, anytime you need it
- Access your PLOC by check or using your Debit Mastercard linked to your checking account
- Your PLOC helps protect against checking overdrafts and can reduce overdraft fees1,2,3
- Consolidate debts or pay for unexpected expenses while avoiding higher interest credit card rates
- No annual fee, no cash advance fees, and no balance transfer fees for debt consolidation
- Competitive variable rates based on prime – rate changes only apply to future purchases for peace-of-mind