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Collins Community Credit Union

Ready Reserve Line of Credit

The Ready Reserve Line of Credit is a pre-arranged line of credit that can help you cover unexpected expenses in the event of an overdraft on your checking account. 

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The loan amount limit is based on credit worthiness. Advances are in increments of $100.00. 

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No annual fee.

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$5.00 transfer fee per transfer.

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No prepayment penalty.

With a Ready Reserve Line of Credit, funds will advance from the Ready Reserve in the event of an overdraft from a checking account via check, Automatic Clearing House (ACH), debit card, Bill Pay, or from an online, phone, or in person request.

To apply for a Ready Reserve Line of Credit, call 800-475-1150 or visit a Collins Community Credit Union branch near you.


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What's New

  • Fraud Text Alerts

    Introducing Fraud Text Alerts

    07 June 2021
    At Collins Community Credit Union, your security is our priority. That’s why we’re excited to introduce fraud text alerts. These alerts will help you monitor your money and keep your accounts safe. To receive these alerts, you don’t need to take any action. You will automatically start receiving text alerts for your Collins Community Credit Union debit card and credit card. Learn More
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    11 May 2021
    The United States housing market is booming, and Iowa is no exception. Lack of inventory and historically low interest rates contribute to the red-hot real estate market. Still, despite the skyrocketing price of lumber and sluggish construction projects, data from one real estate listing company indicated home sales are up 20% across the board in 2021. Learn More
  • Be Your Own Fraud Fighter: Tips To Keep Your Money Safe

    26 April 2021
    In 2020, the Federal Trade Commission recorded 2.2 million reports of fraud and $3.3 billion lost by victims. As these numbers continue to grow, it's crucial to stay informed and take action to protect yourself against scams and potential fraud. Check out the tips and current trends below from Collins Community Credit Union's Fraud Officer, Tabby C., to help keep your money safe! Learn More
  • The Top 5 Home Improvement Projects For The Best ROI

    23 April 2021
    If you're thinking about moving, whether you're upgrading, downsizing, or changing locations, now is the time to sell your house. Tighter inventories and increasing demand create an ultra-competitive market, which means houses are selling faster and often for top dollar. You may know specific home improvements can help improve your home's value, but not every upgrade helps drive a higher price. Learn More
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