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Line of credit means convenience. A line of credit loan is similar to a revolving account with monthly payments. Once you have a limit approved (up to $35,000), you can access your loan for cash at any time through advances at the teller line, Home Branch, Command Center, ATM or overdraft protection. Line of credit is a great way to be prepared for unexpected emergencies, or just to have the convenience of extra money when you need it. Line of credit (open end loans) are variable and rates may increase after loan origination date. Rate 11.60% APR.