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Personal Line of Credit

Just what you need

Open a personal line of credit to get exactly the funds you need, when you need them.1


No collateral

Open your personal line of credit quickly with no collateral necessary.


Pay for anything

With few restrictions on use, you can pay for just about anything.


Low fixed rate

Your rate is locked in for the life of your line of credit.


No annual fee

Save more, with no annual fee charges.


Low minimum

Get a line of credit as little as $500.


Easy to use

Easily transfer funds from your line of credit to your account.

Today's rates

View more rates

12 months

As low as % APR

Calculate your monthly payment

Monthly Payment

Competitive Fixed Rates

Predictable payments

With a fixed-rate personal line of credit, payments are predictable. You'll always know how much you need to pay back when you draw funds.

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Easy to Use

Funds on hand

You don't have to reapply every time you need funds. Draw from your personal line of credit (up to your max) as needed.

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Members regularly rave about our competitive rates, convenient locations and friendly staff.

— 2023 Relationship Survey

How it works

It's easy to get a personal line of credit.

  • 1

    Complete an application

    Fill out an application online or visit us at a branch.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Use the funds

    Transfer funds from your new personal line of credit to your account, as needed.

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8800

Funds for fundamentals


With low fixed rates and easy access, use your personal line of credit to pay for what you need, when you need it.


Schedule an appointment


1 To obtain a personal line of credit borrowers must have an MCCU personal checking account. Credit limit will be determined by criteria such as credit history and income.
2 APR is the Annual Percentage Rate. The stated APR is effective as of June 12, 2024. Rates listed are the lowest possible rates. Rates may be higher based on a number of factors such as income and credit history.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership and loan approval required.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.