A Personal Line of Credit is money when you need it for unpredictable situations. It works like a credit card: we approve you for a certain amount, you spend from that amount and make payments back, and your funds become available again, up to your limit, as you pay down the balance with no annual fees or transfer fees.

Have money available when you need it.

A Personal Line of Credit can provide overdraft protection on your checking account, money for car repairs or vacations, or the opportunity to consolidate your debts and avoid paying higher interest rates elsewhere.

Apply Now

Personal Line of Credit

*APR - effective November, 2019. Your rate is determined by your credit worthiness.

Annual Percentage Rate

as low as 9.90% APR*

up to 48 Months

Questions? Find out more about SCCU's Personal Lines of Credit by calling our friendly Loan Department at (509) 325-4444 or emailing us at loandepartment@sccu.net.

At SCCU, we understand that bicycling is a popular form of recreation and fitness, as well as an important mode of transportation for many here in the Inland Northwest, and so we are now offering low-rate, hassle-free bike loans to help you on your way.

• Purchase or Refinance^**.
• Loan amounts from $500 to $10,000.
• Terms up to 4 year (48 months).
• Unsecured - no collateral required.
• Low fixed rates from 8.14% to 11.14% APR^*.
• Options to roll up to $250 in additional bike accessories into the loan.
• Loan, VISA Credit Card^† or Personal Line of Credit type loans available.

Already financed a bike in the past year? Refinance^** it at SCCU and save!

• Apply Now
• Calculate Payments

Replace your thirsty lawn with water-smart native plants and mulch, and make your landscape a better fit for our unique Inland Northwest climate. If you make the change to a water-wise yard, you can:

• Use less water each month
• Spend less time and effort on yard upkeep
• Save on your monthly utility bills
• Protect our river and our regional environment

If you're ready to make the switch to a new, water-efficient yard, SCCU can help.

SCCU offers two types of Water-Wise Landscape Loans to help you remodel your home landscape: a Home Equity Line of Credit or a Personal Loan. Each one has slightly different terms and conditions, depending on what you qualify for.

We offer special loan programs like these to make it easier for everyone to protect Spokane’s beautiful natural environment. It’s just one of the ways we give back to the community and empower our members to make a positive difference.

City residents who are creating a water-wise home landscape are encouraged to apply for the City of Spokane Lawn Replacement Rebate. Conditions apply. Learn about the City of Spokane's SpokaneScape requirements at waterstewardship.org.

SCCU Did It! So Can You

SCCU replaced 3,229 sq. feet of our front lawn with water-wise landscaping in 2018, and became the City of Spokane’s very first commercial SpokaneScape. We love our new yard and the contribution we made to water-efficient landscaping in Spokane, and we’re proud to lead the way for other commercial properties to do the same!

If you're ready to make the switch to a beautiful new water-efficient yard, contact our Loan Department at (509) 325-4444 or at loandepartment@sccu.net.

Share-Secured Loans

Share-secured loans allow you to borrow against your share account, with up to 10 years to repay the loan. For more information, terms and conditions, please contact our Loan Department at (509) 325-4444 or at loandepartment@sccu.net.

Everyone needs a little slack sometimes. If you need to skip a loan payment (once a year per loan), you can do so when you make a $20 donation to one of the three great organizations that SCCU supports. We want to give you a break, and make it an opportunity to support a great local cause, too. Everyone wins!

To skip a payment on one of your SCCU loans, submit your request online or download the Skip A Payment form (PDF), and mail your completed form to Spokane City Credit Union, Attn: Loan Department, P.O. Box 9639, Spokane, WA, 99209, or drop it off at our office. Please DO NOT EMAIL. Email is not a secured form of communication.

Questions? Email us at loandepartment@sccu.net or call our friendly Loan Department at (509) 325-4444.

• Online Skip A Payment Form
• Download Skip-A-Payment Form (PDF)