You can borrow up to $15,000 (subject to approved credit and loan policy limits) in unsecured credit for any purpose. All loan limits and terms are subject to individual credit history and score.
Share Secured Loan
You can borrow 100% of your funds on deposit for 3% above the Share or Share Certificate Account dividend rate. We offer a flexible repayment term of up to the term of the certificate.
Kwik Cash Line of Credit
This is an open-end line of credit loan product that functions as an overdraft source for your Empower CU Checking account, as well as a revolving line of credit to use as needed to fuel your financial lifestyle. You can establish a line of credit up to $15,000 (subject to approved credit and loan policy limits).
On those occasions where your account balance is not sufficient to cover a payment request, no matter what the source – VISA Debit Card purchase, scheduled online bill payment, or a check – an advance is made on your behalf from your available line of credit to honor the payment. The cost to you is only the interest on the loan advance until you pay it off – in most cases, the interest you pay will be well below the fees incurred for a dishonored payment due to a lack of available funds in your account. With Kwik Cash account, you can say “good-bye” to those embarrassing moments due to an innocent oversight and save yourself money too!