SJCU offers a Revolving Line of Credit that is available to you as needed. Your monthly payment is based on 3.5% of the balance owed. As you pay the Line of Credit back, the account becomes available for future advances.

The monthly payment amount is computed at the end of the month during end-of-month processing, payment is due by the 28th of the month, and a monthly payment is required.for at least the minimum payment amount.  View your minimum payment amount on your monthly Statement of Account.

This Line of Credit is not linked to a checking account nor does it automatically transfer to overdrafted savings/checking accounts.