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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.

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Current Rates

As low as: 9.99% APR*

*APR Effective as of April 24, 2023. See rates and disclaimers in full details here.

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Account Backup Service

You can attach your line of credit to your Seattle Credit Union checking account to act as an Account Backup Service. If a check tries to clear when you don't have sufficient funds in your account, the LOC will automatically transfer funds to cover it. You don't have to worry about moving funds and can avoid costly overdraft or returned check charges. If you back up your account with an LOC instead of a savings account you will not be charged the $5.00 Account Backup Service Fee.

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Frequently Asked Questions About Lines of Credit

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Apply Now. Get Answers Fast.

Getting your loan at Seattle Credit Union could not be more simple. There are three easy ways to apply:

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By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855.575.9352 to get started.

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When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and connect you with a loan expert or help you apply online to get you a decision fast.

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