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Benefits of UCU’s Overdraft Line of Credit
Our Overdraft Line of Credit can boost your financial confidence, helping you manage cash flow issues and avoid hefty overdraft fees.
- Access funds as needed instead of facing unexpected overdrafts fees
- Pay interest only on funds used instead of incurring automatic overdraft fees
- Handle emergencies or surprise expenses without undue stress over your finances
- Improve your financial planning skills and establish a positive credit history by making timely payments
More information on Overdraft Line of Credit
- Increased control and flexibility about Increased control and flexibility
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.
- A cost-effective solution about A 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 to a line of credit about Continuous access to a line of credit
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.
- Financial planning assistance about Financial planning assistance
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.
Frequently asked questions
- How do I get an Overdraft Line of Credit at University Credit Union? At UCU, our commitment is clear – we're here to provide you with the tools you need to excel financially. If you have a University Checking Account and want access to our Overdraft Line of Credit, contact us at 800.UCU.4510.
Learn More - What is an overdraft? An overdraft occurs when you don’t have enough money to cover a transaction. At University Credit Union, we offer overdraft protection through a line of credit linked to your checking account to protect you from unexpected fees.
- What is an Overdraft Line of Credit? University Credit Union offers a line of credit to our member-owners to help avoid insufficient funds fees due to overdrafts on your University Checking Account. You’ll pay interest only on funds you use instead of repeated flat fees.
- How does UCU help me learn financial responsibility? At University Credit Union, we believe you can become your own best money manager. We support you by giving you tools and educational guidance through our Financial Wellness Center. Over time, you’ll find you depend less on credit to remain financially stable.
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University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
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