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Christian Financial wants you to be able to access funds when you need them! With a Line of Credit you have access to a fixed amount of money that you can draw on when you have additional cash flow needs.

What is a Line of Credit?

A Line of Credit works like a credit card without the card, it is an unsecured loan that gives you access to additional cash flow when you need it. Plus, you can connect your Christian Financial Checking account to prevent overdrafts.

Personal Line of Credit Benefits

At Christian Financial you will find some of the best line of credit rates around, which means we have payment options that will fit your budget! Plus, there is no collateral needed to secure a revolving line of credit.

Our Personal Line of Credit Calculator can help determine if this option is right for you.

Line of Credit Online Application

Effective October 3, 2023

Personal Loans

Type Term APR*
Line of Credit   11.49%
Personal Loan**** Up to 60 months 10.49%
Seasonal Personal Loan** Up to 12 months 7.49%
Share Pledged Loan   4.99%
Certificate Pledged Loan***   4.99%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Loans requested for more than 95% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.Please see a Christian Financial Service Representative for full details. **Can be used for vacations, wedding expenses or taxes. For example, for a loan of $1,000 at 12 months with an interest rate of 7.49%, the monthly payment would be $86.75. Minimum loan amount limited to $500.00. Maximum loan amount limited to $5,000.00. No additional discounts for Auto Transfer/Electronic Payment. ***Term of loan cannot exceed term of certificate. ****Rate shown includes discount for automatic payment.


Contact Us:

Corporate Headquarters:
35100 Van Dyke Ave
Sterling Heights, MI 48312


Routing & Transit Number: 272484289
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Christian Financial Credit Union was founded in 1950 and has grown to serve anyone who lives, works,
worships or goes to school in Macomb, Wayne, Oakland and St. Clair Counties. 
© 2006-2023 Christian Financial Credit Union  All Rights Reserved.
Federally insured by the NCUA
Equal Housing Opportunity Lender