Be Prepared with a Home Equity Line of Credit! 

Apply today with our quick and easy paperless application and e-signature.

Rates as low as 3.99% APR*

Our home equity lines of credit are flexible lines of credit that can be accessed quickly and easily. Whether it’s for home improvement projects, medical emergencies, education, or debt consolidation, our HELOC could help you!

Features of our Home Equity Lines of Credit

  • Variable Rate Home Equity Loan
  • Borrow up to 80% of your home’s equity
  • Minimum loan amounts apply
  • Five year credit line draw period
  • Interest may be tax deductible**
  • Eligible product for member rewards

*APR=Annual Percentage Rate. APR from 3.99% to 9.25%. Maximum APR is 21% or the maximum permitted by law, whichever is lower. Term is a 5-year draw period with a 10-year payback following the end of the draw period. Minimum loan amount $5,000. Real Estate Secured. $5,000 or more in new money is required to refinance existing AmeriChoice FCU home equity loans. HELOCs have a variable rate based on the Wall Street Journal Prime Rate. The interest rate will change monthly on the first day of each month.The rate on the 25th of the month determines the product rate for the next month. Monthly payment is 1% of the outstanding loan balance with a minimum of $100. Payment example: $20,000 at 3.99% APR = $200. The rate, term, payment requirement, and maximum amount that can be borrowed may vary based upon the applicant’s creditworthiness and the amount of equity in the home.  Property insurance is required. Must qualify for membership and become a member of the credit union to take advantage of this offer. Contact the credit union for complete details and disclosures. Federally Insured by NCUA. Equal Opportunity Lender.

Advice for Using Equity Wisely

Learn how to use the equity in your home to reduce your overall debt burden and put you on the road to financial freedom.

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