Don't Let Life’s Curveballs Slow You Down. Start Your Line of Credit Here.
Know How to Prepare for the Unexpected
SMCU has a history of helping our members secure their finances against life’s surprises. An Overdraft Line of Credit isn't just a loan—it’s a safety net that ensures your account stays protected, no matter what comes your way.
Simple, Flexible Security
Life moves fast, and your account should be able to keep up. With an SMCU Overdraft Line of Credit, you’re in the driver’s seat:
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Protection Up to $5,000: A reliable cushion to cover unexpected expenses or timing gaps.
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Highly Competitive Rates: Access the funds you need at a rate that respects your wallet.
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Automatic Peace of Mind: Once established, your line of credit is there the moment you need it—no extra steps required.
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Local Support: Managed and approved right here, by people who understand your needs
How It Works
- Instant Backup: Funds automatically bridge the gap if your account balance runs low
- Simple Repayment: Only pay interest on the amount you actually use
- Local Decisions: Fast, local processing from a team that’s been trusted for a century
- Total Access: Manage your line of credit easily through online or mobile banking
Ready to get started?
Secure your financial safety net! Apply Today.