SeaComm Federal Credit Union OFFICIAL BLOG

Finding Ways to Pay for Emergencies


Do you have a financial plan for when the unexpected occurs? Whether it’s for emergency home repairs or an unplanned visit to the hospital, it’s important to have the sufficient funds to cover these costs. Continue reading for four ways you can pay for emergency expenses!


emergency fund

Withdraw from your emergency fund. It’s never too early to start thinking about the future. If you haven’t already, start building your emergency fund today so you are never stuck in a tight spot again. At SeaComm, you can choose between a variety of options, including Regular Savings, Health Savings, Money Markets, Share Certificates, and more!



Take out a home equity loan. For very large bills, consider tapping into your home’s equity through a home equity line of credit (HELOC) with SeaComm. This is a convenient way to manage your debt level and payments, reduce your interest expense, and arrange for the payment method that you prefer. Click here to learn more!



credit card

Use your credit card. Credit cards offer incredible convenience. With your SeaComm Visa® in hand, you don’t have to wait for approval, take on another source of debt, or even think about how you’ll pay for it all until later. You will even earn points for every dollar you spend, through our Scorecard Rewards Program!


personal loan

Apply for a personal loan. Personal loans exist for reasons like these. Since they have no explicit purpose, you won’t need to give any lengthy explanations for why you need the money, and you should have the funds in hand rather quickly. As a member of SeaComm, you have access to personal loans with affordable rates. They may just be your way out of a financial bind!




You might already be pre-approved for a personal loan or Visa® credit card through LoanEngine! This new program allows SeaComm members to view and accept loan offers without having to come into a branch or fill out an application. If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail.

You may accept offers immediately by following the prompts, or by contacting our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you do not have any offers at this time, make sure to check back every 60 days.

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