Designed to protect a checking account from overdrafts, while giving you increased buying power. The line is activated in $100 increments whenever your checking account balance is not sufficient to cover a check that is presented for payment. There is no charge for a Personal Line of Credit. Rather, interest is charged on the outstanding balance.

Credit Disability Loan Payment Protection

Ease financial concerns should an unexpected financial challenge occur.

  • Protection - Credit Disability or Loan protection helps insure that your loan will not end up in default if you die, or become disabled and are unable to work.
  • Convenience – Apply for this insurance when you apply for your loan and you can include this monthly premium with your monthly loan payment.
  • Support - Employer provided disability may not be enough protection. Bills could begin to pile up as you try to regain your health and your earning capacity.
Payment Protection comes with a 30 day no obligation policy. Talk with a WCTFCU Loan Officer for details.