Lines of Credit

Get cash when you need it with an ECU Line of Credit. This pre-arranged line of credit can protect you from overdrawing your account. With rates much lower than most credit cards and easy access through your debit card, it is a great alternative. Find out how to reduce your rate even further by speaking to a lending service representative today.

ECU Line

Unlike our typical line of credit, the ECU Line is not attached to your debit card. It is a separate account that can be accessed anytime, anywhere through online banking. Use this pre-arranged line of credit for funds on demand, large purchases, emergencies or as a budgeting tool – whatever you need it to be.


For a limited time, new LOC holders can receive rates from 2.99%* for a MERITline or rates from 4.99%* for an ECU Line. You will also be entered to WIN a DEWALT® 20V MAX Lithium-Ion Drill/Impact Driver Combo Kit (Valued at $250) when you're approved for your line of credit, mortgage, MasterCard® credit card or personal loan at ECU is approved and processed. Good luck!
*Rate is offered for the first six months. Some conditions apply. Ask us for details.

Application Process

We offer two easy ways to apply for a loan, depending on your preference.

  1. You can contact one of our branches to speak with a Lending Services Representative.
  2. Apply Online through our secure site. A Lending Services Representative will review your application and contact you within 2 business days.

Interested in a Home Equity LOC?

The MERITline™ home equity line of credit is available as a low-rate financial solution. Find out more about our MERITLine Home Equity Line of Credit here.

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