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Personal Loans & Lines of Credit

Sometimes life can throw you a curve. Unexpected expenses can pop up like auto repairs or medical bills. Or maybe you need extra cash to buy a PC, pay off high-interest loans, pay your taxes or take a vacation. Our personal loans are designed to fit many needs.


Overdraft Protection
Personal Choice Loan
Personal Line Of Credit
Share & Certificate Loans


Overdraft Protection
Writing a check without enough money in your account can be an embarrassing and inconvenient experience, but it doesn't ever have to happen to you. With our low-rate North County CU's Overdraft Protection, we will cover your check up to your Overdraft Protection limit. Overdraft Protection limits range from $100 to $1,000.

Personal Choice Loan
Want to buy a new PC? Take a vacation? Consolidate bills or pay your taxes? It's your choice. Borrow up to $5,000 with our low-rate, Personal Choice Loan.

Personal Line Of Credit
With a low-rate, North County CU Personal Line Of Credit, money is available to you instantly, whenever you need to borrow funds...for any reason that is important to you. It's great for life's unexpected surprises.

Borrow from $100 to $5,000 by taking a cash advance at the Credit Union or one of our ATMs, by calling our TeleTeller, our bank-by-phone service, or our Information Center. Based on your instructions, we'll either mail a check to your home or deposit the funds into your Credit Union account.

Share & Certificate Loans
Our least expensive loans. These loans have North County CU's lowest rates. They're great to establish or re-establish your credit.

Here's how they work. The loan amount is matched to funds available in your Membership Savings Account or a Certificate. You must keep the same amount of funds in your Membership Savings Account or Certificate to match your outstanding loan balance. The funds cannot be withdrawn. As the loan is paid off, less money is required for collateral, making more of your balance available to you.

Interested? Use our online loan calculator to approximate your loan payments. Then apply online, or email or call our Information Center at (858) 487-1880 for an application.