Lines-of-Credit

QuickCA$H Line-of-Credit

With an Sb1 Federal Credit Union QuickCA$H Line-of-Credit, getting the extra cash you need has never been easier! A QuickCA$H Line-of-Credit offers you the flexibility you need with affordable repayment terms you want.

What is a QuickCA$H Line-of-Credit?

A QuickCA$H Line-of-Credit is a flexible, revolving credit line that lets you request a cash advance whenever you need one.

Can be used for Overdraft Protection

Save yourself the embarrassment of bounced checks. If a check overdraws your Checking Account, we will automatically advance the funds available from your QuickCA$H Line-of-Credit.

Easy Access to Cash

With an open-end credit line of $500 to $25,000, you always have access to cash 24 hours-a-day, 7 days-a-week. Just transfer funds from your QuickCA$H Line-of-Credit to your Checking or Savings Account for immediate withdrawal using your VISA Check Card at any of our 32,000 nationwide surcharge-free ATMs.

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Rates

Unsecured Loans

Product APR1 Maximum term
Personal Loan As low as 8.99%2 60 months
Student Loans (Student Choice) As low as 6.25%3  
Share Secured Share Rate +3% 120 months
Certificate Secured Certificate Rate +3% 120 months
QuickCA$H Line-of-Credit 12.25%  
VISA Platinum Card 11.88% fixed  
VISA Gold Card 12.96% fixed  
VISA Classic Card 14.88% fixed  
VISA Secured Card 17.90% fixed ($25 Annual Fee)  
1APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time.
2Members who want to refinance existing loans must borrow an additional $2500 in new money to qualify for current posted rate.
3Prime market index plus a margin. As of July 1, 2014, the Prime index rate used will be 3.25% through September 30th. The margin rate currently ranges between 3.00% and 5.00% depending on the borrower/co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate.