Oakland University Credit Union

Instant Cash Line-of-Credit

If you have a large expense or project but aren't sure how much money you need, or want to ensure you don't overdraw your account, our Instant Cash Line-of-Credit can be the answer.

As you repay the amount of funds borrowed, you can borrow the funds again. You could bounce-proof your checking account, purchase collectibles, build a fence for your yard, or be prepared for those unexpected vehicle repairs.

• Rates as low as 10.90% APR
• No application fees or prepayment penalties
• Pay only what you owe for as long as you borrow

To apply online, click the Add to Wallet button below, in the OU Credit Union Mobile app, by phone or at a branch. If you have questions, contact the Lending Department directly at 517-333-2424 option 1.

Add to Wallet

APR is annual percentage rate and is stated for qualified members having high credit scores. Actual rates may be higher and will be determined by a member's credit score. Rates are subject to change. You will be advised of any change to the loan rate. Once notified, you will have the option to continue payments at the existing rate until the current balance is repaid, or you may continue to access your line-of-credit with payments on your existing balance and additional advances based on the new interest rate.

Electronic Correspondence Disclosure and Agreement

Multi-Featured Loan Agreement

Schedule of Service Charges

Privacy Notice

DocuSign Disclosure

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-766-6828 for assistance. All products and services available on this website are available at all OU Credit Union full-service locations.

Equal Housing Opportunity

Federally Insured by NCUA

Equal Housing Opportunity

Federally Insured by NCUA

Equal Housing Opportunity

Federally Insured by NCUA

NMLS: 405297

Oakland University Credit Union accounts are held at Michigan State University Federal Credit Union where savings are federally insured to at least $250,000 by the and backed by the full faith and credit of the United States Government. APR = Annual Percentage Rate. APY = Annual Percentage Yield. and read our disclaimer regarding links to other sites.

Your Wallet