Borrow up to $250k
For help reaching all your financial goals, we know you need all the advantages you can get. That’s where our Advantage Home Equity Line of Credit comes in to help, delivering all the advantages and cash you need.
Borrow up to 100% of the value of your home, up to $250,000
Get a rate as low as Prime + 1% APR*!
Pay less during your 10-year draw period – with interest-only options available*
Easy. Affordable. Flexible.
With rates much lower than a credit card, we designed the Advantage Home Equity Line of Credit to be incredibly flexible and affordable. Plus, with a 10-year draw period, your funds are available for an extended time, yours to use for a variety of goals, including:
Consolidating high-interest debt
Renovating and updating your home
Covering expenses for weddings and special events
Managing the costs of higher education
Traveling and vacations
Unexpected expenses such as medical bills and car repairs
Get started today!
Apply for the Advantage HELOC today, for the cash you need to accomplish your goals (up to $250,000).
*Credit Union Membership eligibility and credit qualifications apply. APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of the Wall Street Journal on the last business day of each month. Prime is a variable rate; as the prime rate increases or decreases so will the APR, which affects your monthly payment. The payment could then change during the next billing cycle. The current prime rate is 7.50%, current as of December 19, 2024 - with a maximum APR of 18.00%. The rate may vary depending on each individual's credit history and underwriting factors. Not all applicants will qualify, nor will all applicants qualify for the lowest rate. Credit is contingent on the equity in your home. The specific terms, including the interest rate, will be disclosed in the loan agreement. Subject to applicable laws, regulations, and lending guidelines. Any modifications to these laws and regulations may impact the terms and conditions of the HELOC. We reserve the right to modify or terminate the HELOC at any time, subject to applicable laws and regulations. We will provide notice to you in accordance with legal requirements. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for investment or rental property. The minimum line of credit amount is $20,000 up to a maximum of $250,000. Maximum loan to value is 100%. 25-year term, consisting of a 10-year draw period followed by a 15-year repayment period. All loan fees and closing costs for opening the plan total between $900.00 and $3,000.00. Flood and/or property hazard insurance will be required. Other restrictions may apply. Interest-Only Option – will require a monthly minimum payment of the interest your loan has accrued. However, your principal balance will remain the same until you make additional payments for principle. Members who choose to proceed with an Interest-Only Home Equity Line of Credit may experience significant monthly payment increases when the line of credit enters into the repayment phase, which could result in a balloon payment. Consult a tax advisor for information regarding the deductibility of interest and charges. Programs, rates, terms, and conditions are subject to change at any time without notice.
1HELOC must close between 6/16/2025-09/16/2025
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