Easy Access Line of Credit (LOC) Click here to APPLY NOW! Do you want access to funds quickly and  easily without having to speak to a Loan Officer? If so, the ICCU "Easy Access Line of Credit" is for you!  Once established, you can access your funds using "It'sMe 247" ICCU's online account access program; through the Touch-Tone-Teller; or at any teller window.  An Easy Access Line of Credit can also be hooked to your ICCU checking to provide overdraft protection as well.  At 11.50% non variable APR, it is affordable too!  An initial application is required, to satisfy the regulators.  Once approved, the line of credit (LOC) is available to you at any time without additional signature or forms to complete. Payments: The payment due date on all Easy Access Loans is now the 28th of each month, effective 9/09. This is includes all VISA credit cards and Home Equity Lines of Credit.