Home Equity Line of Credit @ Prime Rate Application If you live or work in Rhode Island or a contiguous Massachusetts community, we encourage you to take advantage of this revolutionary loan-approval process. It takes just minutes to complete the application and just seconds - between 20 and 60 - for us to deliver the thumbs-up. How's that for instant gratification? NOTE: Should your application not meet our on-line criteria, it doesn't mean that you've been turned down. Instead, it's been referred to a PCU Loan Officer for further processing. Either way, you'll get an instant e-mail explaining the process. Please enter your 5-digit Zip code: Applies to Home Equity Line of Credit @ Prime Rate Only Equal Opportunity Lender. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency