Credit Card
Personal Line of Credit

Our rates make the grade

Flexible lines of credit

Your back-to-school spending goes farther with MECU.

Whether you’re shopping for school supplies, upgrading technology, or covering education expenses, MECU offers flexible borrowing options that fit your budget.

The ABCs of a Personal Line of Credit

Back-to-school season can come with a big price, but MECU Credit Union makes it easier with a Personal Line of Credit (PLOC) that gives you freedom, flexibility, and long-term savings. 

With a fixed rate as low as 12.74% APR* for the life of the line, you can borrow only what you need, when you need it—just like a credit card, but with lower rates and no surprises. Back-to-school is coming fast. Get the financial flexibility you need.

  • Lines of credit from $300 up to $50,0001
  • No collateral required
  • Works like a credit card, but with better terms


Want a snapshot of your monthly loan payment?

Line of Credit Repayment Terms
Fixed APR*
(as low as)
Monthly Payment**
(per $1,000 borrowed)
Personal Line of Credit
Draws up to the credit limit permitted for as long as the account remains in good standing. 12.74% $33.57
MECU's Visa® Credit Card

MECU’s Visa® Credit Card gives you a convenient way to manage back-to-school expenses while staying in control of your budget. Stay in control of your budget this back-to-school season with:

  • 1.99% fixed APR2 for 12 months, then a variable APR as low as 12.25%
  • No balance transfer fer
  • Visa® Real-Time Alerts
  • MECU Credit Card Control App


Visa
Intro APR
APR as low as
APR up to
Visa® Platinum Credit Card 1.99% 12.25% 15.25%
Visa® Platinum Rewards Credit Card 1.99% 13.25% 16.25%
Visa® Signature Cash Rewards Credit Card 1.99% 12.00% 12.00%
Visa® Platinum Secured Credit Card 1.99% 16.42% 16.42%

Make the grade without the financial stress.

1/*APR = Annual Percentage Rate. Rate as of July 14, 2026, and subject to change. Your actual rate may be higher depending on credit history and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility.

2/**APR = Annual Percentage Rate. Introductory APR for the first 12 statement closing dates following the opening of your account. After that, your rate will convert to your standard rate as provided with your new account. Credit limits are based on creditworthiness and ability to repay. Rates are variable, tied to the Wall Street Journal Prime Rate. For additional information, please see our disclosure.

Federally insured by NCUA.

Risk-Based Pricing Notice

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