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Line of Credit (Instant Credit)

Out shopping and spot the perfect sofa for your living room or gas grill for the backyard? With a Michigan Schools and Government Credit Union Line of Credit, you won't have to worry about missing out on those surprise deals...or wonder how you're going to cover that unexpected auto repair.

A Line of Credit gives you the freedom and convenience to access your credit when you are ready, with no delays or loan papers to sign each time. Plus, upon request, it can protect your checking account against overdraft fees. One way to set yourself on the path to financial success is with Instant Credit.

With an Instant Line of Credit, you'll enjoy:

  • 24-hour access to funds
  • A competitive rate
  • A maximum credit line of $35,000
  • The option to use it as overdraft protection*
  • Check access
  • An automatic payment option
  • The opportunity to pay off the balance with no prepayment penalty

*In the event of insufficient funds, your Line of Credit will be activated and funds will be transferred to your Checking Account to cover any checks you write.

Line of Credit (Instant Credit)
TypeTermAPR* as low as
Variable None 11.00%

*APR= Annual Percentage Rate. Initial rate may change. Variable-rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 18.0%. Contact Member Service Representative for more details.


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