When you overdraw your Share Draft account, either by check or by Visa Debit Card, you automatically access a pre-approved line of credit. Eliteline has a maximum pre-approved credit limit of $15,000* while Petiteline is limited to $300*. Advances for both are made in the amounts of the overdraft. (If the overdraft is due to a debit card authorization, the funds will not immediately transfer to your share draft account, but will remain on hold in your overdraft account until the transaction posts. At that time the funds will move from your overdraft account to your share draft account.)

Pay only when you overdraw or borrow against the credit line at a low variable rate. Make regular monthly payments, or pay the balance in full with no prepayment penalty.

Petiteline is offered automatically after your Share Draft account has been open and in good standing for 90 days with no application or credit report required. New members can open a Petiteline by signing and returning the paperwork you'll receive in the mail. Existing members can have it set up upon request. However, you must apply for Eliteline just as you would any other credit union loan, and a credit report will be used to determine your eligibility.

Optional credit life and disability insurance is available on both lines of credit. The monthly premium is calculated on the outstanding loan balance.

1. Contact the loan department at any BFCU office during regular business hours.
2. Apply online.
3. Call ClockWISE Credit, our 24-hour toll-free loan line for 15-minute approval.