Unlock your home's potential with a Home Equity Line of Credit.

Ideal for home improvements, large purchases, or consolidating debt, our HELOC puts your home's equity to work for you.

Get financial flexibility with a low introductory rate.

  • Limited-time as low as 5.49% intro APR for the first 12 months. Then, as low as 8% APR.*
  • Low to no closing costs1
  • Interest-only payment for 10 years
  • $0 annual or pre-payment fee
  • Interest may be tax deductible2
  • 10 year repayment term

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Calculate Your Payment

Get as low as 5.49% intro APR for 12 months* when you:

Open a new line or add to your pre-existing HELOC, with a minimum of $25,000.

Qualify for Advantage Plus Rewards!


Have an Advia Checking account with an ACH Direct Deposit of $400 or more.

Even if you don’t meet all the above promotional requirements, you can still access a great introductory rate.

Grow your savings with Advantage Plus High Yield Savings.

Complement your HELOC with our Advantage Plus High Yield Savings account and elevate your savings.

Your home's equity can do more.

Transform Your Home

  • Remodel kitchens, bathrooms, or living areas
  • Install energy-saving appliances

Consolidate Debt

  • Combine high interest debts
  • Simplify monthly budgeting

Celebrate Life’s Milestones

  • Cover special events
  • Invest in education or career growth

Ready for the Unexpected

  • Manage medical expenses
  • Finance home repairs

Home Equity Line of Credit FAQs.

During the Open/Draw period, the billed monthly payment is only for the amount of interest due. As the outstanding principal balance rises, the amount of interest owed rises, thus the monthly payment goes up. Only if a member pays more than the billed interest due amount, will funds go toward reducing the outstanding principal balance. The lower the outstanding principal balance, the lower the billed interest due payment. It also means that HELOC funds continue to be available for additional advances up to the available credit limit. During the Closed/Repayment period (beginning 10 years after closing), the HELOC shifts from being an interest only payment to a fully amortized payment. This means the billed monthly payment will be both interest and principal, calculated so the HELOC will pay off on the maturity date. No additional advances will be available — it is in payback mode only for the 2nd half of the 20 year term.

This information is located on the member's monthly statement. ​C​alculat​e the Average Daily Balance (ADB), then calculate the interest due: Average Daily Balance x APR x # of Days in Billing Cycle ÷ 365 = Interest Due. Example: 5,000.00 x 0.0325 x 30 ÷ 365 = $13.36. Calculate your payment.

*December 11, 2023 - May 31, 2024: Annual Percentage Rate of 5.49% for first 12 billing cycles after closing is a promotional offer tied to having an Advia Credit Union Checking account and meeting all the following qualifications: (1) minimum credit score of 680 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, (3) min line of $25,000 selected (or added to a pre-existing HELOC already held with Advia Credit Union), AND (4) evidence of Checking Account and incoming recurring direct deposit of $400 or more monthly via employer payroll, pension, social security or other recurring governmental payment at time of loan closing, OR (5) must have met Advantage Plus Rewards criteria (see program details at adviacu.org/aplus) in the prior month to be eligible. Estimated monthly payment for a $25,000 HELOC during the promo period for the following APR: 5.49% = $114.38 (interest only). Following the promo period of 12 months, the APR will revert to a variable rate, which may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. Ask about current rates. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.

  1. No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC).
  2. Consult a tax advisor regarding tax deductibility which is subject to change at any time.

Some products and services may vary based on geographical region. Offer and rates subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.