Line of Credit

Need cash fast? PFCU Line of Credit to the Rescue.

Never overdraw your PFCU Checking Account again with a PFCU Credit Line. Enjoy free overdraft protection for your PFCU Checking Account, PFCU Check Card and Electronic Bill Payer accounts. Plus, you'll have access to a quick cash loan 24 hours a day from any ATM.

Loan Amount

Up to $15,000

Annual Percentage Rate

As low as 12.90% APR* (based on credit)

Open to

All PFCU members 16 years of age or older. Members under the age of 18 require a co-applicant.

Loan Terms

  • Minimum payment is $20 or 2.94% of your balance, whichever is greater.

Apply or Continue an Application for a Line of Credit


* APR = Annual Percentage Rate. Rate reflects all possible discounts. This is the credit union’s best rate. The available terms are subject to change without notice. Your monthly payment will be 2.94% of your outstanding balance, including principle and unpaid interest, or $20, whichever is greater. We will begin charging interest on the transaction date. Rate and approved loan amount may vary depending on each borrower’s credit history/eligibility, underwriting criteria and market conditions. Offer of credit is subject to credit approval. Maximum loan amount is $15,000. Consult a tax advisor regarding the deductibility of interest.

Refer your Friends
National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.