Alternative Payday Line-of-Credit (APLOC)

We offer a $500 line-of-credit for emergency purposes and when a CU member does not currently qualify for an Overdraft LOC.

  • The member must have been a members for at least six months and have direct deposit to apply for an APLOC.
  • There is a $35 application fee.
  • There is a fixed rate of 18% APR on our APLOC.
  • The APLOC must be repaid within a three month period, so it is intended as a very short-term loan but can be re-used again when needed.

After one year of positive repayment of an APLOC, the member will automatically qualify for an Overdraft LOC and the rate will be changed to 13% APR and the minimum payment will be reduced to $20 per month.


Our Members make the difference.

Member Since 2007

Alina had a car loan with HSBC that was at 18.26% which we refinanced for her at the credit union at 8.25% after she made on time payments for one year.

"Basically what institutions like our CU does for 'underserved' people like me, is to put a little faith and trust in our financial life. And that is all we need in order to get out of our broken situation. Believing in the human ability to overcome any situation just by supporting them is enough.

We human beings have an extraordinary capacity or resilience to move on to the next level and then aim for a better future.

I am a true example of that ... A woman with such a bleak financial broken history and here there is a bank in a city where I never imagined myself living someday who put a little bit of that 'faith' in me. What a miracle!"

Alina Diaz


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