Personal Line-of-Credit/Overdraft Protection
Fine-tune your finances with this preapproved, revolving line-of-credit. Use the service as a general credit line, available whenever you need it. Of, use it as overdraft protection for your SBCU checking account! When you spot a bargain or need extra cash, just write a check … you’re covered, up to your available preapproved limit!

Signature Loans
Ideal for budgeted credit goals, Signature Loans let you borrow a specific amount and repay in open terms. Share-Secured or Certificate-Secured Loans Use your savings or share certificate accounts as collateral to secure this loan and you’ll receive a special low rate ... while continuing to earn dividends! (IRAs may not be used to secure loans.)

Loan Protection Program (LPP)
SBCU’s LPP program pays the gross or net amount of the credit transaction owed at the time of death. SBCU’s LPP program also makes your loan payments (up to the policy maximum) if you were to become disabled by a covered sickness or accident which persists beyond the policy waiting period.

How to Apply
To apply for any personal or auto loan, sign into Home Banking or pick up an application at the branch and return it to SBCU postage-paid. You can also download an application here .

If you have any questions or would like assistance, please stop by or call:

or email us at sbcu@southbaycu.com .