Variable-Rate LOC

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Interested in having increased cash flow?
Need a low minimum payment?
Looking for overdraft protection on your checking account?

A Desert Schools Variable-Rate Line of Credit empowers you to extend your monthly budget for emergencies or for other important expenses. As an added benefit, funds become available again and again as you pay down your balance, up to your credit limit.


Variable-Rate LOC
  • No application fees
  • No annual fee
  • Amounts from $1,000 to $20,000
  • Competitive variable rate1
  • 3% minimum payment2
  • Only pay interest on the amount you use
Members with a Variable-Rate Line of Credit may save .25% APR by signing up for eStatements and making automatic payments from their Desert Schools checking account.

Income verification may be required. This is a credit-qualifying account.
1Rate may change monthly.
23% of outstanding balance or $25 minimum monthly payment, whichever is greater.

Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union