This spring, get a loan that is just enough for whatever you need without extending debt for years! For a fixed rate as low as 8% APR for 12 months, you can borrow up to $2,500 to help pay your taxes, take the family on a trip for spring break, or for anything else you need. Just ask for the Spring Loan!
Apply in person, over the phone, or online via Private PC.
Traditional Personal Loans
Line of Credit Loan (LOC) Information
Advantages of Line of Credit Loans
Generous Line of Credit limits.
May be pre-owned for Overdraft Protection for your 121 Financial Checking Account.
How to Make Advances
You can make advances on your LOC loan at an ATM using your ATM or your Visa ATM/Check Card. You may also request an advance via Private Line or at any branch office. Requests and transfers can be made through Private Line or Private PC.
How to make Payments
Automatic Transfer from your checking or savings account
Private Line (Telephone Banking), available 24 hours a day
Private PC (Internet Banking), available 24 hours a day
At any branch
Accessing Your LOC Via ATM
Use your 121 FCU Visa® Debit Card to get an advance by:
Do a balance inquiry to see how much you have available by selecting "Balance Inquiry on Credit Line." (Information can be displayed or printed).
To request an advance in cash, select "Withdrawal" from "Credit Line" and enter the amount.
To request an advance to be transferred to checking or savings, select "Transfer" from "Credit Line,", and select checking or savings and enter the amount.
There is no transaction charge at any 121 Financial or CUHere Network ATM; however, transactions are subject to fee imposed by other ATM owners.
Accessing Your LOC via Private PC Online Banking
Login using your account number and PIN. Your Line of Credit Loan suffix is 50 or 75.
To make transfers for payments, just click on the "withdraw" or "transfer" button at the top of the page and use the drop-down menus to make selections.
To make an advance, use the "withdrawal" function which will generate a check that will be mailed to the address on your account. Or, use the transfer function to put the funds directly in your checking or savings account.
Accessing Your LOC via Private Line Telephone Banking
Two transactions are available to advance funds.
"LA" (52) will generate a check which is mailed to the address on your account.
"LTS" (587) will transfer funds from your loan to checking or savings.
Suffixes required for these transactions are:
LOC Loan Suffix = 50 or 75
Checking Suffix = 2
Savings Suffix = 0
Your account number and PIN are required for access.
Remember to press # after each entry.
Use the * as a decimal point.
Press Y# (9#) for "Yes" and N# (6#) for "No."
If an error is made (before transaction is complete), press #* to cancel.
Questions about your Line of Credit Loan? Call the Loan Dept. at 723-6300 or (800) 342-2352.