Ready Access Lines of Credit

MEFCU's Ready Access Line is a credit line that provides a source of funds for any need you have--any time you need it. As an added benefit, you can also use your Ready Access Line as overdraft protection, making sure the checks you write are protected up to the available limit of your credit line.Limits up to $2,500 are dedicated to overdrafts only; higher limits may be used as a free standing line of credit in addition to being used as overdraft protection.

Account Features:

  • Unsecured credit lines up to $30,000

  • Flexibility of writing your own loans--write checks to access your line*

  • NO Annual Fee or Access Fee

  • Low rates indexed to the Prime Rate

You can apply in three convenient ways:

Complete and submit a loan application online.

Complete and submit a print application.

Call our Member Contact Center at 1-800-821-7280 to request an application be sent to you.
* Checks only available on lines over $2,500

MEFCU is an Equal Opportunity Lender.

Ready Access Lines of Credit

Effective Date: 5/4/2023

Ready access lines of credit


Ready Access Line Rates Based on Your Credit Score

Rates are based on creditworthiness and there is a minimum credit score to qualify. Find your credit score and the associated Annual Percentage Rate (APR).


Credit Score

Ready Access Line**











Below 634



Rates quoted are the lowest available ("as low as"), actual rate may differ and is dependent on the individual applicant's creditworthiness. Must be a member in good standing.
**Ready Access Line - Variable APR