Coverage for Real-Life Needs

There are plenty of innovative overdraft options to choose from at Library of Congress FCU.

Give Your Life a Line of Credit

When the bills pile up and you feel like you are coming up a little short, we are here to help. With a Library of Congress FCU Line of Credit, you can write yourself a loan as needed, consolidate debt to save big, or add overdraft protection to your checking account. This revolving line of credit gives you up to $10,000 to use as you wish with no annual or transfer fees.

• Simple interest financing with no prepayment penalties
• Worldwide ATM access
• Low variable rate could be more affordable than retail credit card rates
• Rates are tied to three-year U.S. Treasury Security issue (adjusted quarterly)

Start your application

Borrow Money Based on Your Savings

Now you can borrow against your LCFCU savings account balance with either a Share- or Certificate-Secured Loan. Best of all, the loan is only secured by the funds in the account on deposit, meaning your savings stay in place and continues to grow.

• Low loan rates (only 3.00% above the rate of the secured share or certificate account)
• Terms of up to 60 months
• No prepayment penalties

Start your application.