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	First Credit Union's low competitive rates help qualified borrowers afford a home, auto or business loan.

Buying or Refinancing?
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Line of Credit

First Credit Union Personal Line of Credit

First Credit Union would like to express the benefits of applying for a Line of Credit, these benefits include:

•	Credit lines from $500 up to $30,000.
•	Competitive Percentage Rates (determined by credit score)
•	No annual fee
•	No Cash Advance Fees
•	Easy Access

Free Overdraft Protection

Use your available credit line to provide overdraft protection to your checking account, ensuring that your checks are always covered. There are no overdraft or transfer fees for overdraft protection from your line of credit.

No Balance Transfer Fees

Pay off your high interest credit cards and loans with funds drawn from your Line of Credit.

Cash Advances

Craw funds from your Line of Credit anytime without paying cash advance fees. Cash advances can be obtained at any branch, transferring funds into checking via the Telephone Teller, or online when you login to your account through eTeller.

Variable Rate Home Equity Line of Credit

This home equity loan is a line of credit secured by the Deed of Trust on your home. As you pay back your revolving credit line, your line will renew itself (up to 10 years) you have the option of borrowing again and again. This loan has a variable interest rate.

Requirements for a Home Equity Line of Credit:

•	Arizona state residents only.
•	Single family dwellings only.
•	Primary residence, owner-occupied only. (Does not include land or mobile homes)
•	Homes with first mortgages with negative amortization are not eligible.
•	Homes with interest only first mortgages are not eligible.

How to Apply

To begin your search for a Line of Credit please follow these options:

•	Please fill out a Home Equity loan application at any branch.
•	We offer an online loan application for your convenience. Please log into your account or choose the "non-member" button to continue the application. A First Credit Union representative will be contacting you on your recent Line of Credit loan application.