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Personal Line of Credit


A TTCU Personal Line of Credit is a loan that works like a revolving account with an approved limit. Once part or all of the loan is used and paid back, it is available again without re-application.  A line of credit means convenience.  

Benefits Include:

   *  Extra funds when you need them
   *  Freedom from overdraft fees
   *  No application fee
   *  No fees for advances or transfers
   *  Line amounts starting at $500

Get peace of mind by adding a personal line of credit* to your checking account.  With a line of credit, you are covered when you write a check for more than your account balance. Apply just once and when you’re set up, you’re in charge from then on. Payments can be made automatically through Payroll Deduction. 

Contact your local TTCU branch, call (800) 622-2535 and ask to speak with a loan officer, or go to Smart Branch (online banking) to apply for a Line of Credit and have it added to your checking account today. 


*A Personal Line of Credit is a loan and is subject to individual credit approval. Rate and terms are based on evaluation of applicant’s creditworthiness, so your rate may differ. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Membership with The Tennessee Credit Union is required to obtain a loan.  Members can access the line of credit through: ATM/Debit card; Checks; Online; Express Call; In-person advances at the branch. 

Even more savings with Select Line

A Select Line offers an exceptionally low rate of interest on your balance and is available to members who have checking and use at least one of the following Credit Union services:
- VISA® credit card
- HELOC (Home Equity Line of Credit)
- Vehicle Loan
- Mortgage
- Money Market Account
- Share Certificate
- Christmas Club

Contact your local branch, call (800) 622-2535 go to Smart Branch to apply for a Line of Credit and have it added to your checking account today.

Tie your Share Account to your Checking Account

You may also choose to tie your share or savings account to your checking to automatically transfer funds to cover any overdraft.  There is no charge for this service.

Contact your branch to have this protection activated or log into Smart Branch, and under 'Account Services' go to Overdraft Protection and select the account from which you want the funds to be transferred.