The Right Amount to Reach Your Goals

In those days between when the money comes in and when it has to go out, a personal line of credit1 can be the perfect solution. A line of credit lets you borrow money when you need it, then pay it back like a credit card. Great for emergencies, overdrafts and more. With interest rates as low as 12.00% APR.

The Path to Healthy Credit Starts Here

Learn how to maintain and improve your credit profile by signing up for CUTX's credit improvement email series. Whether you're building your credit from the ground up or repairing damaged credit, you can take the first step toward healthier credit today.

FAQ - Personal Line of Credit

  1. If you are a member of CUTX: Log in to online banking and make a payment with a funds transfer.
  2. If not a member: Use your financial institution to pay via Billpay
  3. Pay over phone: Call 972-263-9497, choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  4. Make a payment through Speedpay
  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.

1. Loan approval and rates are subject to credit approval.