Lines of Credit

Summary

Have financing readily available whenever you need it. A line of credit offers flexibility to pay for what you need, when you need it. Pay interest only on what you use, so you never take out more than you need.

Our In-house servicing makes borrowing more efficient and quick! Open a line of credit today.

The Holiday Loan

Give your higher interest rate credit cards a break this holiday season and take advantage of Kern FCU's Holiday Loan. Use your cash to cover gift giving, holiday travel expenses or unexpected bills! Our great low rates and payment terms put you in control of your holiday experience.

  • Rates as low as 7.99%*
  • Borrow up to $10,000 for 48 months
  • Cover gifts, travel expenses or unexpected bills
  • Now through December 31st

Preferred Draft Account

  • Personal revolving credit line — draw funds whenever you need them
  • Also provides overdraft protection to your Kern FCU checking account
  • Pay interest only on your balance owed
  • No annual fee. No per transaction fee
  • Low Variable APR, based on your credit qualification
  • Particularly useful for those who have ongoing borrowing needs — home repairs, improvements, college, hobbies, and more.
  • Peace of Mind — Easy access to significant credit when you need it

Overdraft Protection Loan

  • Provides overdraft protection to your Kern FCU checking account
  • Pay interest only on your balance owed
  • No annual fee. No per transaction fee
  • Peace of Mind —
  • Easy access to emergency money when you need it. Much less costly than overdraft or short term payday loans

SIGNATURE LOAN

  • Loans available up to a maximum of $35,000
  • Competitive interest rates with a choice of fixed rate for the term of the loan or a low variable rate**
  • Quick and convenient application and funding

*Financing on approved credit up to 48 months. For a $10,000 loan for a term of 48 months with a 7.99% APR, the monthly payment will be $244.15. The Annual Percentage Rate (APR) information above is guaranteed until December 31, 2014. If you choose to fund the loan after December 31, 2014, you will be subject to current underwriting guidelines and the APR will be the rate in effect at the time of funding. Requests for higher loan amounts are subject to credit evaluation and income verification. Other program terms and rates may be available, please call 661-327-9461 for additional program details.

**Variable rate is subject to change based on the 91 day treasury bill