What's your personal line of credit?
Low annual fee, interest-only payments
Get a personal line of credit from STCU, with an attractive rate and flexible terms.
A personal line lets you tap the money you need, when you need it most, either online or by telephone, by check or in person.
- Low annual fee.
- Prime + 2% rate.
- Draw up to three times your monthly income.
- Interest-only payments.
Apply for your PLC
To apply for your personal line of credit at STCU, simply call us at (509) 326-1954 or (800) 858-3750 or visit any of our convenient branch locations.
Personal line of credit FAQs
Can I use a personal loan for medical bills or other emergencies?
Yes, emergencies are one of the most common reasons members secure a personal loan. But you can also use it for a vacation, a wedding, to pay a debt, and so on.
What are your rates?
Rates change frequently, so or call (800) 858-3750 for the latest.
Can anyone get a personal line of credit?
Approval of a personal line of credit is based on individual creditworthiness, net worth, and monthly income, so not all STCU members will qualify.
What documentation do I need to apply?
Good question! To get a personal line of credit, we require a: 1) loan application; 2) financial statement; and 3) tax returns if you are self-employed, have rental income, or investment income.
When are STCU loan officers available?
STCU loan officers are available by telephone or in the branch locations during regular weekday business hours. However, you can also reach an STCU loan officer by telephone until 7 p.m. weekdays and from 10 a.m. to 4 p.m. on Saturday. Call (509) 326-1954 or (800) 858-3750 after hours and select the "loan option" to reach our Lending Center.
