ReadyLine of Credit

Be ready to tackle whatever challenges your business may face. 

This revolving line of credit connects to your checking account as a safety net against overdrafts and offers extra funds when you need them. 

  • No annual fee
  • Fixed rates, currently 10.99% - 18.00% APR*
  • Credit limits range from $1,000 to $5,000
  • Only pay interest on what you use 
  • Quickly transfer online, by phone, or in person.

* Subject to credit approval 

Overdraft Occurrences 

If an overdraft occurs, your line of credit will automatically transfer funds in $100 increments to your checking account to cover the overdraft. If you have less than $100 available credit, only the amount of the overdraft will be transferred.

Text or email overdraft alerts can be set up using CU Alerts in online banking.


If your line of credit has a balance, a minimum payment of 2% of the balance or $20, whichever is greater, will automatically be deduced from your checking account on the 20th of each month. Repayment may also be made anytime using online banking.

ReadyLine Application

If you make a payment 10 days or more after the due date, you may be charged 5% of your payment amount. 


Contact the OUCU Financial Business Team

Business Team


Donna Russell

Business Services Manager
E. State St. Office
(740) 447-5202

Schedule Appointment


Tiffany Sims

Commercial Lender
E. State St. Office
(740) 447-5202

Schedule Appointment

Not a Member of OUCU Financial?

Becoming a member is easy. OUCU can now serve businesses in the following counties: Athens, Fairfield, Hocking, Jackson, Licking, Meigs, Morgan, Muskingum, Perry, Vinton, and Washington County. You can join, really!