Personal Lines of Credit

We call it a Personal Service Loan (PSL), but it's really a line of credit that requires no collateral. Your credit limit is based on your income, credit history and ability to meet your current credit obligations. Upon approval and activation of your credit line, you may advance your PSL at any time, as long as your PSECU account is in good standing. If you have PSECU's Visa® and a PSL, you have one credit limit shared by both loans. Once your line of credit is activated, you can access it in several ways.

Accessing Your Funds

  • Get instant cash, up to $500 on a daily basis, using your PSECU Visa Check Card
  • Get an advance or make a transfer through online / mobile banking
  • Make an advance through our Self-Service Telephone (SST)
  • We will make the advance for you - if you give us a call
  • Mail your request

Important: Once funds are advanced, interest begins to accrue immediately.

Rates valid as of 11/26/2015 5:28 AM

*APR denotes Annual Percentage Rate

Rates and information are subject to change at any time. Personal lines of credit are variable-rate loans.