Do you need quick access to extra cash? Consider our Personal Line of Credit (PLOC) - it's like a credit card without the plastic. Once your credit limit has been approved and established you can draw on it at any time. You can transfer funds from your PLOC into your spending or savings account at any time, and you can access your PLOC through CUOnline , mobile banking, Call 24, or by visiting one of our offices. There is no cost to apply and establish a PLOC, and it's always good to have back-up cash available in case of an emergency.