Personal Lines of Credit

Personal Lines of Credit

USSFCU offers two flexible personal lines of credit — the Easy Line of Credit and the Premier Line of Credit — giving you quick access to funds whenever you need them. Whether you're covering short-term expenses, avoiding overdrafts, or simply wanting a financial safety net, these credit lines provide convenience and control. Once approved, you can access your funds immediately, only paying interest on what you use, and reusing the line as needed.

Find the Right Line of Credit for You

Choose from our two flexible options, each designed to meet your unique financial needs with convenient access and reliable support.

  • Easy Line of Credit:

This credit line is designed for first-time borrowers, those with limited credit experience, or anyone working to rebuild their credit. It offers a manageable limit, helping you cover small expenses or avoid overdrafts on your checking account. With automatic payments from your USSFCU checking account and optional Debt Shield coverage, the Easy Line is a simple, secure way to access funds when you need them most.

  • Premier Line of Credit:

    For members with an established credit history, the Premier Line offers a higher credit limit and added flexibility for larger expenses or long-term financial goals. This line of credit features convenient monthly payments and the same optional Debt Shield protection.

Start Your Application Today!

Once approved, you’ll have immediate access to your funds, and with our 24/7 Loan-by-Phone service, you can speak with us beyond regular hours. Call 800.374.2758 at your convenience to apply or review options.

RATES

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Are you looking to Apply After Regular Business Hours?

Our after-hours phone banking offers 24/7 live loan support, including personalized consultations, application submissions, and decision-making. Dial 800-374-2758 after business hours, select option one (1), and experience a revamped Call Menu with brand-new lending options tailored just for you!

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Contactless Cards from USSFCU Contactless Cards

USSFCU Visa® credit and debit cards are enabled for contactless pay. Contactless card payments are secure, convenient, and touch-free. Simply tap, pay and be on your way!

Receiving a Contactless Card from USSFCU

All newly issued debit and credit cards will be contactless. Current members will receive contactless cards when their current card expires or is reissued. If you prefer not to have a contactless card, contact our Member Service Contact Center at 800.374.2758, and we can issue a non-contactless card by mail.

Use Your Smartphone and Discover USSFCU Contactless Pay

Add your Senate Debit card, Smart Rate and Smart Rewards credit cards to the Mobile Wallet on your mobile phone, set it as your default card and make payments everywhere you see any of these symbols:

                  

Learn How to Add Your Cards

To qualify for a personal line of credit, you need to have a USSFCU checking account. Not available for business loans. All loans subject to credit approval. Members should not send personal information via email.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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