Reserve Line of Credit

Apply Now


Cover short-term cash needs and protect yourself from overdrafts.

Be prepared for unexpected expenses with an affordable Reserve Line of Credit. For added protection, combine your Reserve Line of Credit with Rewards Checking to guard against account overdrafts.

Access your line of credit 24/7 through Web Branch and use it again and again without reapplying.

  • Line limits start at $500.
  • Pay interest only on the actual balance.
  • Minimum monthly payment is 3% of balance or $15 (whichever is greater).
  • No hidden costs or surprise fees - no prepayment penalties, no cash advance fees, no annual fees, no monthly service fees.
  • Optional Payment Protection.

Apply NowView Rates

How Does Overdraft Protection Work?

Our consumer-friendly Overdraft Protection keeps you covered without the big fees you'll find elsewhere.

If you don't have enough money in your checking account to cover a transaction:

  • You can transfer money from your savings account for free. Learn more about account-to-account transfers.
  • Or, we'll automatically transfer money from your savings in $100 increments.
  • If there isn't enough in your savings and you have a Reserve Line of Credit, we'll transfer from your line in $100 increments.

If we need to transfer from your savings or Reserve Line of Credit, you pay just one $5 transfer fee.That's it!


Get in Touch

Our local experts take personal pride in our personal loans. That's why we're always ready to answer your questions or offer advice.

ITIN Lending - UWCU is proud to accept ITIN for personal loan applications.