We understand the importance of financial empowerment, which is why we've decided to offer an Overdraft Line of Credit to give you the upper hand in managing your money.

The Overdraft Line of Credit is linked to your UCU checking account to cover you when you might be in between deposits and need a back-up. Say goodbye to automatic overdraft fees and hello to a new era of control, convenience, and savings.



Overdraft Line of Credit Loan Features:




Increased Control and Flexibility

Our Overdraft Line of Credit empowers you to have greater control over your finances. Instead of automatically authorizing overdrafts on your account, you will have the ability to access a line of credit linked to your checking account. You can use the funds as needed, providing you with the flexibility to manage your finances more effectively.




Cost-Effective Solution

Instead of paying a fee per transaction, like traditional overdraft fees, you will be charged interest only on the amount you borrow from your line of credit. This ensures that you only pay for the funds you utilize and can help you save money in the long run.




Continuous Access

With the Overdraft Line of Credit, you will have continuous access to funds within your approved credit limit. This can be particularly useful in emergency situations or when unexpected expenses arise, allowing you to meet your financial obligations without interruption.




Financial Planning Assistance

The Overdraft Line of Credit provides an opportunity to improve your financial planning skills. By managing your line of credit responsibly and making timely payments, you can establish a positive credit history, which may help build or improve your credit score.


At UCU, our commitment is clear – we're here to provide you with the tools you need to excel financially.

If you currently have a UCU checking account and would like to take advantage of the Overdraft Line of Credit, contact us at 800.UCU.4510.

Member Testimonial

"Great and a very easy experience getting a loan!"

- Barbara M.