Loans » Reserve Line of Credit

Reserve Line of Credit

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Current Rates
Reserve Line 11.25% APR*
More rates & disclosures

Be prepared for the unexpected with our reserve line of credit. It provides you with affordable access to money when any unforeseen situations arise. Since this is a revolving loan, each time you borrow and repay the balance, the line automatically remains available for future use. You can use it again and again, without reapplying. Plus, when you partner your reserve line of credit with our Rewards Checking, you have low cost overdraft protection that gives you peace of mind from any minor account miscalculations.

Standard Benefits:

  • No annual fee
  • Access 24/7 through Web Branch
  • No cash advance fees for your Web Branch or in-branch transfers
  • No monthly service charge
  • Low rate
  • No minimum finance charge, you pay simple interest only on the actual balance
  • Flexible payment options
  • Use it again and again without reapplying

Additional Benefits when used as Overdraft Protection:

  • Automatically covers your checking account overdrafts with a $5 transfer fee1
  • Overdraft transfers are advanced in easy to track $100 increments
  • Only pay when you use it
  • Customized text or email alerts through Web Branch to keep you informed on overdraft advances

1The fee is charged to the account receiving the funds and will not exceed $5 per business day regardless of the number of overdraft items or accounts involved.
*APR is Annual Percentage Rate. Rates subject to change.



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Local 608-232-5000
Toll Free 800-533-6773
UW Credit Union's Routing Number: 2759-7907-6
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UW Credit Union
pref 3500 University Avenue
Madison, WI 53744-4963 43.075532 -89.448226
UW Credit Union, postal PO Box 44963, Madison, WI 53744-4963
43.075532 -89.448226