Home Equity Line of Credit

Need Some Ready Cash for
Home Improvements, Debt Consolidation, or College?


Unlock the Value of Your Home With a HELOC from HFCU!
Looking to renovate your home, consolidate debt, or need funds for college? A Home Equity Line of Credit (HELOC) from Heritage Federal Credit Union can help you unlock your home’s value and get you the ready cash you need.

For a Limited Time, Heritage Federal Credit Union has a Special Offer for All NEW Home Equity Lines of Credit!

With a HELOC, You Use it When You Need it!
A HELOC from Heritage Federal Credit Union gives you the flexibility to borrow what you need, when you need it. This revolving line of credit can be used over and over (up to the maximum amount of your line). We now offer you multiple ways to access your funds. Simply write yourself an advance by using the special home equity checks provided. Or, you have the ability to access your available funds through any teller at any branch, over the telephone through our Information Center, via Online or Mobile Banking, or by using the Home Equity Line of Credit Visa Credit Card*. Also, there are no closing costs on a HELOC when you advance $10,000 or more at closing.

Apply NOW for your Heloc!

(Choose Consumer LOC in the -Select Loan Type- Pull Down Menu)

*APR=Annual Percentage Rate. Offer subject to credit review and approval. Loans must be originated between June 1, 2017 and December 31, 2017 and closed before January 31, 2018. Offer only available on new Heritage Federal Credit Union Home Equity Lines of Credit. The applicable interest rate varies depending on your credit qualifications and loan-to-value ratio. When opened, the introductory rate is 0.99% APR for the nine (9) months on balance transfers and initial advances. For a Heritage Federal Credit Union Home Equity Line of Credit, your adjustable rate will be determined by the loan-to-value of your home with rates starting as low as Prime Rate -.25% (Currently 3.75% APR) with a maximum APR which will not exceed 18.00% and a rate floor of 3.00%. Interest rates may vary and if changes occur, they will be on the first day of the month. Interest Rates are indexed to the Prime Rate as published daily in The Wall Street Journal “money rates” column. As of 05/19/2017, the Prime Rate is 4.00%. Offer is available on Heritage Federal Credit Union Home Equity Line of Credits only. Processing fees of $150 are waived if advance of $10,000.00 or more is obtained at the time the account is established. The maximum loan amount is up to 90% of the value of the borrower’s residence not to exceed $200,000.00, if the loan-to-value is over 80% then the maximum loan amount is $50,000.00. Flood and/or property hazard insurance may be required. Other restrictions may apply. Rate and offer are subject to change without notice. Consult a tax advisor for deductibility of interest.