If you need a loan but are unsure of when or how much you will need, maybe an Equity Line of Credit is better suited for your needs. It's like having the money in your bank account! Features include:

• access to immediate funds for various purposes
• no yearly fee like a credit card
• cheaper interest rates than on most credit cards
• 24 hour CU BY PHONE access
• no interest charged if Line of Credit is not used
• minimum $5,000
• may allow for making ATM withdrawals immediately after making an
• ATM deposit
• interest rates available are dependant upon qualifications and are comparable to loans
• flexible payments based on balances owing
• once paid down it once again is available to you without having to reapply