You’re covered with our Overdraft Line of Credit

Our Overdraft Line of Credit gives you greater control over your finances. Instead of automatically authorizing overdraft charges on your account, UCU provides a line of credit linked to your checking account. You can use the funds as needed to manage your finances more effectively.

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.

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

Our Overdraft Line of Credit helps 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.