Personal Line of Credit

The Personal Line of Credit is no longer available for new applications.

If you're an existing PLOC member, you can continue managing your account as usual.

Looking for a borrowing solution? Explore our Personal Loan options and find the one that best fits your needs.

Personal Line of Credit Find a Personal Loan

Frequently Asked Questions

Personal Line of Credit applications are no longer available.

No. Personal Line of Credit applications can no longer be submitted, including previously started or saved applications.

If you're an existing Personal Line of Credit member, you can continue using and managing your account as usual. Your account terms and servicing remain unchanged.

Depending on your needs, you may want to consider:

A Personal Loan for a fixed amount with predictable monthly payments.
Home Equity Line of Credit (HELOC) for flexible access to funds as needed.
Fixed Home Equity Loan for a lump-sum loan with a fixed rate and fixed monthly payment.

Which loan is right for you?The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.

Fixed rate loan

As low as 11.99% Annual Percentage Rate (APR)11.99% <p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>

You can borrow a lump sum up to $50,000 and pay it off at a fixed-rate and term. Check your rate in 30 seconds.Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.

Check my rate Learn More

Home Equity Line of Credit

As low as 7.125% Annual Percentage Rate (APR)7.125% See the complete Home Equity Line of Credit disclosures on our rates page.

Access funds as you need them with a flexible line of credit secured by your home's equity.

Apply Now Learn More

Fixed Home Equity Loan

As low as 5.367% Annual Percentage Rate (APR)5.367% See Payment Example on our rates page tied to our 5-Year Fixed Home Equity Loan.

Borrow a lump sum with a fixed rate and predictable monthly payments.

Apply Now Learn More