Personal Lines of Credit

Help When You Are Short On Cash

Life can be expensive. At times, you might need a little help covering the costs. From unexpected travel plans to emergency car repairs, a Personal Line of Credit from Beach Municipal FCU can be helpful.

Similar to a credit card, a Personal Line of Credit is an unsecured revolving credit line with a set credit limit. You simply advance the funds to your Checking or Savings Account as needed. As you pay down your balance, funds become available again. Unlike an Overdraft Line of Credit, there are no restrictions on how you use the money.

No matter what life throws at you, you’ll have easy access to the cash you need with Beach Municipal FCU’s Personal Line of Credit.

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Why Is This The Best Loan For Me?

Beach Municipal FCU's Personal Lines of Credit features:  

  • Low, fixed interest rates.
  • Interest only accrues when you have a balance.
  • Terms up to 60 months.
  • Borrow up to $20,000.
  • Withdraw as little as $.01, up to your credit limit. 
  • No penalty for early payoff.
  • No application fees.
  • No transfer fees.
  • No annual fees.

Save Even More!

We can even reduce our already low rates up to an additional 1/2% APR* if you have any two of the following:

Personal Line of Credit Rates

Personal Loan Rates
Effective Date: Monday, August 1, 2023
Type of LoanAnnual Percentage Rate*
Apply for a loan online
Unsecured Personal Loans 8.95% - 17.95%
Line of Credit Loans 8.95% - 17.95%
Overdraft Line of Credit Loans 9.95% - 17.95%
Share Secured Loans 3.00% above share dividend rate in effect at the time of loan
Certificate Secured Loans 2.00% above share dividend rate in effect at the time of loan

*APR=Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Rates are subject to change without notice. Rates are accurate as of the effective date above. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

Credit Life and Credit Disability Insurance

With Credit Life and Credit Disability coverage, you’ll have peace of mind knowing you can:

  • Reduce your financial burden.
  • Protect your income, your collateral and your credit rating.
  • Receive coverage at home and at work.

While credit insurance is not required to obtain a loan, the policies will lessen the financial burden on your family. In the event of your death, Credit Life Insurance pays the balance of your loan. Credit Disability Insurance makes your loan payments, up to the policy maximum, if you were to become disabled by a covered sickness or accident.

For more information on how Credit Life and Credit Disability coverage can protect you, contact us at 757.333.7787 or through our secure Contact Us form.

Loan Amortization Calculator - Personal Loans


*APR=Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Please see a Loan Officer for details.

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