Unsecured Line of Credit (Overdraft Protection)

Flexible funds when you need them with the Unsecured Line of Credit. There's no need to use your home or other assets to secure your lending. Use for unexpected expenses or Overdraft Protection.

Access funds quickly and easily with an Unsecured Line of Credit from Capitol Federal®. Whether it's home improvements, unexpected expenses like a broken water heater, or simply safeguarding against overdrafts, our Unsecured Line of Credit provides peace of mind without requiring collateral.

Why Choose an Unsecured Line of Credit?

  • No Collateral Required. Get the funds you need without using your home or other assets.
  • Overdraft Protection. Link your credit line to your checking account for automatic overdraft protection.
  • No Application Fees. Enjoy a hassle-free application process with no application or origination fees.
  • Loan Amounts. $500 to $2,500
  • Terms. Flexible and designed to meet your needs. 

See Rates

Interest rates are fixed for the term of the loan. A Capitol Federal® checking account is required for overdraft protection using the line of credit. Certain restrictions apply.

We Have a Loan for That

We have a loan for you! Explore a wide range of borrowing options from Capitol Federal®. Our experienced Loan Professionals and branch staff are ready to help you find a loan tailored to your specific needs.

  • Mortgage Loans
  • Home Equity Loans
  • Student Loans
  • Personal Loans
John B. Dicus Chief Executive Officer headshot

Chairman's Desk - Winter 2024

As we approach the end of another year, it is good to take a moment to reflect on the past year we’ve shared together. As the rush of the holiday season begins, this time of year is a great opportunity to acknowledge the accomplishments of the closing year and look forward to the next. This past year was particularly exciting for Capitol Federal®.
Read more
Scam text on phone screen.
November 18, 2024

Text Scam November 2024

Please be aware of scammers spoofing our phone number and impersonating Capitol Federal® employees.
Read more
Woman holding up a five with her hand

Five Benefits of a Certificate of Deposit

Certificates of deposit (CDs) are just one of many options available for saving money. However, CDs offer benefits you may not find with other savings solutions.
Read more