A positive way to address a negative balance

In life, we often pay for our mistakes. Have a traffic accident and insurance rates go up. Fill out a tax form wrong, and the government is breathing down our necks. Workers isn’t in the punishment business. We know people occasionally overdraw their checking accounts. Sometimes it’s a simple math error. Sometimes, you have expenses related to an unforeseen emergency. Our low-cost Checking Account Line of Credit eliminates big overdraft fees and guarantees we’ll cover all your check and debit card payments. You have enough to worry about without us piling on.

Here’s why you might like a Checking Account Line of Credit:

  • We got your back. The line of credit covers debts that are greater than your checking account balance.
  • We take the transaction. The credit line covers purchases made by check or your Debit MasterCard.
  • We keep costs low. Get a line of credit for just a $25 annual service fee.
  • We’re reasonable. You pay no finance charges until you need an advance on your account.
  • We think big. Credit lines are available up to $50,000.
  • We’re informative. We provide you with monthly statements that show any balance due.

Workers Credit Union provides banking services to greater Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Fitchburg, Orange, Lowell, and Athol, MA. Apply online for your Checking Line of Credit or contact us with any questions.

Checking Line of Credit PAIRS WELL WITH...

Not ready to make the jump? Take a look at some of the other options, we’re sure you’ll find what you were looking for.

Auto Loans

Get in gear with a Auto Loan as low as 4.99% APR*

cuSave Online Savings

Yes, we’re paying 1.00% interest. No, we’re not trolling you


Must have a qualifying checking account with Workers Credit Union. Checking Line of Credit available subject to credit approval. Refer to our current rates. View rates

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.