With a GTE Personal Line of Credit, you could borrow and repay funds as you need them. With a higher limit and lower rate than most credit cards, a Personal Line of Credit can be used for almost anything – from home improvements to bill consolidation, college tuition, and more.
Personal Line of Credit
Easy access to your money, right when you need it!
A convenient way to access funds
Ready to open a Personal Line of Credit?
It’s quick and easy to apply. The process takes less than 10 minutes and can be done entirely online.
Features & Benefits
- Low rates
- Monthly payment is 2% of the outstanding balance or $25, whichever is greater
- Payment due on the 15th of each month
- Can be linked to your Checking account to use as Overdraft Protection
- No annual fee
Rates
AS LOW AS
14.24%
APR*
Personal Line of Credit
*Annual Percentage Rate (APR) effective 4/22/2026. Rates, terms and conditions are subject to change without notice. The APR range is 14.24% to 17.99% and will be determined by your credit worthiness. All loans are subject to approval.
Please refer to the Member Account Disclosure and Agreement and Member Schedule of Current Charges for a more thorough explanation of when an overdraft occurs and when a fee may be assessed for overdrawing your account. The full amount of the overdraft balance, plus related fees, will be due immediately and cannot be overdrawn more than 5 days after the date of the occurrence to avoid a Negative Balance Fee. Negative balances that exceed 14 days may lose access to Courtesy Pay and be subject to charge-off and collection. GTE Financial will pay overdrafts at our discretion; there is no guarantee of payment. If an overdraft is not authorized, your transaction will be denied and subject to applicable fees. Federally Insured by NCUA.