Personal Line of Credit

Life happens and unexpected expenses come up.

Let Scient help you be ready for life’s unexpected hurdles with our Personal Line of Credit.

With our Personal Line of Credit, members get:

  • 5.99% APR* for the first 12 months
  • Revolving credit (draw funds as needed)
  • No origination fee
  • No annual fee (for the first year) 
  • Quick Approval (funds available in two days)




*APR = Annual Percentage Rate. This is a revolving line of credit. There will be an introductory APR of 5.99% for the first 12 months from the account opening date for qualifying members with a credit score of 720 or above. After the first 12 months, your rate will increase to a minimum of Prime plus 4.99%, but no higher than 18.00%. Your rate will be based upon adding a margin to the Prime Rate depending upon your credit score. The current Prime Rate is 5.25% as of August 1, 2019. Minimum line of credit is $5,000. Maximum line of credit is $35,000.00 based on your credit score. There is an annual fee of $25.00 which is waived for the first year. Other fees and charges may apply. This credit union is federally insured by the National Credit Union Administration.