Signature Line of Credit

Flexible Funds, Whenever You Need Them

Life doesn’t always go according to plan — but with Penlanco FCU’s Signature Line of Credit, you’ve got a financial safety net that’s ready when you are.

Apply Now

View Current Rates

Reliable Access to Cash — Exactly When You Need It

Life doesn’t always go according to plan — but with Penlanco FCU’s Signature Line of Credit, you’ve got a financial safety net that’s ready when you are. Whether it’s covering unexpected expenses, funding a large purchase, or managing your day-to-day cash flow, this revolving credit line gives you access to funds when you need them most.

Signature Line Of Credit Benefits

Credit Limits from $500 to $15,000

Whether you need $500 or $15,000, your credit line is customized to align with your financial goals and credit profile.

Affordable Payments

Payments are 2% of the amount owed, with a minimum payment ranging from $50 per month to $300 per month.

Revolving Credit Access

Borrow, repay, and borrow again — your line of credit is there when you need it.

No Collateral Required

Enjoy the flexibility of unsecured credit — no need to use your assets as security.

Overdraft Protection Option

Link your Signature Line of Credit to your Penlanco FCU Perks Checking account and gain peace of mind. If your account balance runs low, available funds from your line of credit can automatically transfer to cover the difference, helping you avoid overdraft fees or declined transactions.

Quick and Easy Application

Apply online or stop by in person — our team is ready to help you every step of the way.

A Signature Line of Credit offers the flexibility of a credit card paired with the competitive rates and personalized service you expect from Penlanco FCU. It’s a smart, reliable way to stay prepared — whether life surprises you with an unexpected expense or presents an opportunity you don’t want to miss.

How to Get Started

Applying is simple. Complete our online application or stop by our branch. We’ll help you find the credit solution that’s right for you — with the personal service you deserve.

Apply Now

Signature LOC

TERM	730 + FICO	690-729 FICO	650-689 FICO	610-649 FICO	<610 FICO
Open-Ended	WSJP + 2.50%	WSJP + 3.00%	WSJP + 4.50%	WSJP + 6.00%	WSJP + 7.50%

This is an open-ended variable rate loan. The APR is variable and is tied to the Wall Street Journal Prime Rate. APR is based on TransUnion credit score(s). APR means Annual Percentage Rate.

Signature Loan Calculator

Choose your balance

Min $500,Max $15,000

Balance Selected: $500

Monthly Payment (2% or $50 minimum): $50.00

The Penlanco FCU Advantage

Member-Centric Service

As a member-owned credit union, we put you first. Our friendly and knowledgeable staff are dedicated to providing personalized service, helping you navigate the loan process with ease and ensuring you find the best loan solution for your needs.

Quick and Easy Application Process

Applying for a line of credit at Penlanco FCU is simple and hassle-free. Our streamlined application process ensures you get the funds you need quickly, with minimal paperwork and fast approval times. Whether you apply in person or online, we make it easy for you to get started.

Trusted Community Partner

As a member-owned credit union, Penlanco FCU is deeply rooted in the community. When you borrow from us, you’re supporting an institution that reinvests in the local area and its residents. We’re committed to your financial well-being and the prosperity of our community.