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A Local Credit Union That Cares

Personal Lines of Credit

A Personal Line of Credit is a fast and convenient way to cover surprise expenses. Once your line of credit is approved, you can easily access your funds by transferring from your line of credit to your checking account. This can be done online or through Mobiliti, our mobile application. With a line of credit in place, you can eliminate the need to apply for a loan.

A Personal Line of Credit may also serve as overdraft protection for your checking account. This means that if you write a check, use your debit card, or make a withdrawal from your checking account but have insufficient funds, funds will automatically be transferred from the line of credit to complete the transaction, as long as you don't exceed your credit limit. It's easy to overlook how much you have in your checking account, and a returned check due to insufficient funds can be very costly. A Personal Line of Credit can help you avoid this cost. And if you don't use it, you don't pay anything for it. In other words, if you don't have an outstanding balance, you don't pay interest. It simply acts as an emergency source of funds, just in case you need it.

I have been doing business with Wailuku Federal Credit Union for 11 years now. Walking into the branch feels like stepping into one of my family member’s home. I’m always greeted by a friendly face such as the team members Alyssa, Kellie, and Brandi just to name a few. Mahalo Wailuku FCU for treating me like family.
-Trina K.