Personalized just for you.

Everyone is different. We all have different needs, wants, and finances. That's why our Personal Line of Credit is just that: personal! Whether you need some extra cash to make it to payday, a large sum to pay off a hefty home repair, or if you just want that extra level of overdraft protection, a PLOC can work for you.

Here's How it Works

The Personal Line of Credit, PLOC, is a handy option for a small, personal loan or for use as extra overdraft protection. Here are the facts:

  • Credit limits of $250-$2,500
  • There is a $5 fee to use it, but if you're Emerald Checking Level 4, the fee is waived.
  • Transfers automatically in $100 Increments to your DECU checking to cover overdrafts
  • The PLOC payment transfers from DECU primary checking on the 1st of every month
  • If there is no balance on the PLOC, no payment is due
  • Transfer manually to your DECU checking via mobile banking before the account goes negative
  • 18.00% Annual Percentage Rate

If you'd like to personalize this service just for your needs, give us a call at 217.875.2301. You can also Live Chat with us and we'll get you set up!

Checkbook Balancer

Balancing your checkbook is no fun. We've at least made it easier for you!

Spare Change Round Up

We'll round up your debit card purchases to the nearest dollar and deposit the money in the savings of your choice. Save without even trying!

Emerald Checking

A checking account that rewards you for deepening your relationship with us. Because who doesn't love rewards?