Personal Line of Credit

Life can be expensive. At times, you might need a little help covering every cost. That's when a personal line of credit comes in handy.

Put simply, a line of credit buys you financial breathing space. Tap into funds as needed for unexpected expenses, necessary repairs and other emergencies.

  • Competitive rates as low as 14.00% APR*
  • Access funds through Online Banking or at credit union branches
  • As you repay funds, they become available again for other purposes
  • Can be linked to your checking account to cover overdrafts

Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to an Account Specialist
(972) 263-9497

Schedule an appointment

Get a personalized consultation.

Exclusive Benefits Include

Are you eligible for membership? See our Membership Eligibility

Online Application

When you have a financial challenge, time is of the essence. Our application process is designed to give you fast access to funds.

Expert Assistance

Want to know more? Our loan specialists can answer your questions and help structure a line of credit that works best for you.

Build Your Credit

Making regular, on-time payments on the funds you use helps improve your credit score.

Funds For Anything

Use the money on whatever big plans you have or expenses you want to address.

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Monitor Your Activity

Go online to take a closer look at where your money goes and how you're spending it so you can stay within budget.

Easy Money Management

Go online or on your mobile device to schedule recurring payments for hassle-free account management.

Find the account that fits you.

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General Personal LOC FAQs

  1. If you're a CUTX member, log in to online banking and make a payment with a funds transfer.
  2. If you're not a member, use your financial institution to pay via Bill Pay.
  3. Make a payment through the payment system.
  4. Pay over phone: Call 972-263-9497, choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  5. Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1
That is determined by what your needs are as well as your credit score and other factors. Contact a loan specialist to structure the personal line of credit that will work best for you.
The interest rate on your CUTX personal line of credit will depend on your credit score at the time you apply. Rates for an unsecured personal line of credit tend to be lower than rates for credit cards and other types of unsecured debt.
The current interest rate for a CUTX Personal Line of Credit is 12.00% APR*.

The easiest way to access your line of credit funds is to make a transfer to your checking or savings account of choice. You can initiate a funds transfer through online or mobile banking, at a CUTX location, or at a CUTX ITM.

You can also talk to a CUTX loan specialist about setting up your personal line of credit to act as automated overdraft protection for your checking account.

You must make your minimum monthly payment which includes interest and principal, as long as there is a balance on the line of credit. But you do not have to pay the entire balance off every month.
Your credit score and payment history will definitely impact your ability to qualify for a line of credit.


The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.

I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.

Laretha S.
I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.

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*APR = Annual Percentage Rate.  Rates and terms are determined by their overall creditworthiness of each applicant and are subject to change.  Personal Line of Credit rates as low as 14.00% APR. Certain restrictions may apply. Membership required.