PERSONAL LINES OF CREDIT

Borrow for as low as APR.‍2

A personal line of credit is a great solution if you have unexpected expenses.

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Find the perfect Line of Credit for you

Personal Line of Credit Comparison Table
FeaturesFlex Line of Credit
Perfect for smaller expenses		FlexPlus Line of Credit
For larger funding needs		Overdraft Line of Credit
Perfect for spending safety
Annual Percentage Rate (APR)12.74%‍111.24%‍218.00%‍3
Rate AdjustmentMonthlyQuarterlyFixed Rate
No Collateral RequiredNo
Credit Amount$3,000 – $15,000$5,000 – $25,000$300 – $2,999
Minimum Payment2% of balance‍12% of balance‍23% of balance‍3
Biweekly Payment Options
Apply now
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Flex Line of Credit

Personal Line of Credit Comparison Table
FeaturesFlex Line of Credit
Perfect for smaller expenses
Annual Percentage Rate (APR)12.74%‍1
Rate AdjustmentMonthly
No Collateral Required
Credit Amount$3,000 - $15,000
Minimum Payment2% of balance‍1
Biweekly Payment Options
 Open an account

FlexPlus Line of Credit

Personal Line of Credit Comparison Table
FeaturesFlexPlus Line of Credit
For larger funding needs
Annual Percentage Rate (APR)11.24%‍2
Rate AdjustmentQuarterly
No Collateral Required
Credit Amount$5,000 - $25,000
Minimum Payment2% of balance‍2
Biweekly Payment Options
 Open an account

Overdraft Line of Credit

Personal Line of Credit Comparison Table
FeaturesOverdraft Line of Credit
Perfect for spending safety
Annual Percentage Rate (APR)18.00%‍3
Rate AdjustmentFixed Rate
No Collateral RequiredNo
Credit Amount$300 - $2,999
Minimum Payment3% of balance‍3
Biweekly Payment Options
 Open an account
Apply now View all rates
Use cases

Popular uses for Personal Line of Credit

Whatever your financial goal, our member-focused personal loans provide the flexibility and support you need to make it happen.

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Blog

Learn more about Personal Line of Credit

The Differences Between Personal Loans and Personal Lines of Credit

Personal loans and lines of credit are both viable options when you need to borrow money. But it’s important to know when to choose which.

FAQs: You Asked. We Answered.

What will my rate be?

Personal loan rates range from APR to 18.00% APR.‍2 Your rate is determined by many factors, including application information, credit history, and selected loan term and amount.

What is the difference between a Personal Loan and a Personal Line of Credit?

A Personal Loan has a set number of payments called the loan term (for example, 48 months). After you have made all 48 payments your loan is paid off and closed. A Personal Line of Credit has a minimum monthly payment, but no set term. You can advance your loan funds, pay it off, and repeat. It gives payment flexibility by allowing you to make the minimum payment or more, up to the full balance. The line stays open until you request it be closed.

What information do I need in order to complete my application?

To complete your application, you will need to provide:

  • Desired loan amount and term
  • Personal information (name, address, DOB, SSN)
  • Contact information (phone, email)
  • Financial information (monthly income & mortgage/rent)

You can apply online, over the phone, or at any branch location.

Can I protect myself with Life, Disability, and Unemployment coverages on my loan?

Yes, debt protection is available for all Personal Loans and Lines of Credit. See more info about our coverages or start a claim now.

Do you offer a discount on rates for current members?

Yes, we have a Member Loyalty Program that offers a 0.25% rate discount on Auto, Personal, and Recreational Loans to qualified members. To qualify for our Member Loyalty Program, you must meet one of the following criteria:

  • You have an existing loan with Connexus and have paid as agreed for 24 months or more.
  • You had a previous loan with Connexus and paid as agreed.

“Paid as agreed” means that there are no payments on your Connexus loan account or any previous merged loan (such as those from Heritage Credit Union, Bullseye Credit Union, Endura, etc.) that are reported as being 30 days or more past due in your payment or credit history.

Please note that this discount applies only to new Auto, Personal, and Recreational Loans and does not extend to existing Connexus loans. Additionally, the discount is not available for Lines of Credit and cannot be combined with any other offers or discounts.

To determine if you qualify for the Member Loyalty Program, please call 800.845.5025 to speak with one of our lenders.  

Disclosures

APR=Annual Percentage Rate

See our Fee Schedule for a list of fees you may encounter.

* Calculated based on the difference between the amount paid in interest between Connexus Credit Union’s rate at 10.490% APR compared to 10.968% APR for the National market average over the life of a $15,000 unsecured loan over 36 months. Accurate as of: 04/21/2026. Source: Datatrac

  1. Rates adjust quarterly based on prime plus a margin and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 2% of the outstanding balance. Payment of $200 is based on a loan amount of $10,000. Loan amount minimum is $3,000; loan amount maximum is $15,000. Certain fees may apply, please refer to the Fee Schedule for more details.
  2. Rates adjust monthly based on prime plus a margin and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 2% of the outstanding balance. Payment of $200 is based on a loan amount of $10,000. Loan amount minimum is $5,000; loan amount maximum is $25,000. Only the most creditworthy applicants qualify for the lowest rates. Certain fees may apply, please refer to the Fee Schedule for more details.
  3. Rate is fixed and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 3% of the outstanding balance. Loan amount minimum is $300; loan amount maximum is $2,999. Certain fees may apply, please refer to the Fee Schedule for more details.