Line of Credit

Plan for the unexpected

A Line of Credit from Seattle Credit Union can make things a whole lot easier when life throws you a curveball.

There when you need it

Whether you need to make emergency car repairs, cover bills while you are waiting for your paycheck, or just need a bit of extra cash, a Seattle Credit Union Line of Credit (LOC) can be the right tool for you. Even if you don't think you need a line of credit now, having an LOC available when unexpected problems happen can make you glad you planned ahead.

Low rates and no origination fees

The rates on Seattle Credit Union Lines of Credit are among the best in the Seattle area, even if you have less-than-perfect credit history.

Because Seattle Credit Union is a not-for-profit financial cooperative, there are no origination fees and no annual fees to keep your credit line active. We also won't hit you with unexpected prepayment penalties when you are ready to pay off your balance.

When you need to borrow against your line, you'll feel better knowing that your credit union is only interested in making sure you get a great loan product at our best possible price.

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Manage Your Monthly Income

A Line of Credit can help manage your monthly expenses, especially when your income varies from month to month. It can be a great alternative to payday loans and help you avoid the high fees charged by some check-cashing companies.

Anytime Skip-A-Pay

Our innovative Anytime Skip-A-Pay program allows you to skip up to two lines of credit payments every twelve months with the payment of a small processing fee. Anytime Skip-A-Pay gives you the flexibility to deal with unforeseen expenses like home repairs or unusually large credit card bills without causing any damage to your credit score. This feature comes with our lines of credit, standard. It's just another way we design products to help our members prosper.