Money Protection
Protect your accounts and enjoy the peace of mind you and your family deserve.
When the unexpected occurs, you can be ready.
UVA Community Credit Union is here for you and your loved ones.
Family finances require serious consideration when it comes to the right protection. Here you'll find solutions for everything from simple overdrafts to complicated life situations.
Overdraft Line of Credit
Oversights happen. We're here to help. Use an Overdraft Line of Credit to provide financial backup to your UVA Community Credit Union checking account so your transactions aren't declined if you happen to spend more than your available balance. Funds from the line of credit automatically transfer to your checking account before you incur any fees. You can also transfer money on your own whenever you need a little extra.
- Credit limits available from $100 to $5,000
- No cost until you access your line of credit
- No annual fee
- Flexible payment terms with low minimum payment requirements
Apply for Overdraft Line of Credit or check our latest personal line of credit rates.
Personal Line of Credit payment example: limits of $100 to $5,000, monthly payments based on balance. A $600 balance would have an estimated payment as low as $25 per month. APR as low as 14.49%. Some restrictions may apply, not all applicants will qualify for the lowest rate. See the credit union for details.
| Coverage Options | Cost |
|---|---|
| Overdraft Protection Transfer from Savings Account | $5 per credit union initiated transfer |
| Overdraft Protection Line of Credit | Subject to interest (no per item fee) |
| Overdraft Privilege Coverage (Standard and Extended) | $32 Overdraft Fee (Paid NSF) per item |
A small price to pay for peace of mind.
- Protect your finances
- Ease the burden on your family
- Create a safety net for all situations
Resources for success.
UVA Community Credit Union is a full-service financial institution with locations throughout Virginia's Central Piedmont and Valley area.
Login to Online Banking to apply.
Overdraft Protection Line of Credit protects your checking account from overdrafts and denied transactions. A low interest rate applies, see our rate schedule. This service is used to cover insufficient funds before an Overdraft Savings Transfer is used. Please note that an Overdraft Line of Credit is subject to credit approval. To apply, complete a loan application at uvacreditunion.org, visit a branch, or call 888-887-9136.
Overdraft Protection Transfer From Savings Account services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from your savings account you may have at UVA Community Credit Union for a cost. In the event an automatic transfer from your savings account occurs, but the amount transferred is insufficient to completely cover an overdraft, an overdraft fee will be charged instead of the transfer fee. Overdraft Privilege Coverage (Standard and Extended) allows you to overdraw your account up to your approved limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if other protection sources are exhausted.