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Personal Line of Credit

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Personal Line of Credit

Access money when you need it

Bridge the gap between available funds and unexpected expenses


Withdraw funds when you need them


Consolidate debt or manage cashflow


Pay early or make scheduled payments

Transfer funds when you need them

Demand for cashflow is high. The combination of expenses, employment concerns, and irregular or seasonal income create gaps in available money. A personal line of credit gives you the ability to quickly transfer funds into a Bonus Checking Account, Money Market Account or Select Savings Account.

Plan with a Personal Line of Credit to help bridge any gap between available funds and unexpected expenses.

Personal Line of Credit

Affordable capital

  • Rates as low as 12.00% APR1
  • Loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts
  • Monthly payments are variable and based on the amount transferred
  • Reusable for 10 years

Flexible access and payments

  • Withdraw funds as needed (no lump sum requirement)
  • No early payment fees 
  • Funds can be transferred into a Civic deposit account

Be proactive

  • Consolidate debt
  • Access funds, as you need them
  • Manage your cashflow

Get fast access to your Personal Line of Credit with advances into your Bonus Checking Account.

Bonus Checking

We pay up when you purchase

  • 0.50% dividends
  • No monthly fees
  • Fee-free use of any ATM nationwide
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You know that details matter. [And you are in good company.]

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1 APR = Annual Percentage Rate. Subject to approval. Rates and credit limit are evaluated based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. The standard variable APR (from 12.00% to 18.00% APR) for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. Members may borrow against their line of credit for a period of 10 years, after which the line of credit is closed; principal and interest payments will be required until the loan is paid in full. Payment example: for an $8,000 loan at 12.00% APR, 60 monthly payments of $177.96.