Get flexible access to funds and 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.

See how a HELOC can benefit your home and budget.

  • Limited-time intro APR for the first 12 months. Then, as low as 7.50% APR.1
  • Low to no closing costs2
  • Interest-only payment for 10 years
  • $0 annual or pre-payment fee
  • Interest may be tax deductible3
  • 10 year repayment term

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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

During the <b>Open/Draw period</b>, 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.

  1. Promotional Annual Percentage Rate with Combined Loan-to-Value of 70% or below on Advia’s Interest-Only Variable HELOC for the first 12 billing cycles after closing. Estimated monthly payment for a $10,000 HELOC during the promotional period for the following APRs: 6.74% = $56.17; 7.24% = $60.33; 8.24% = $68.67 (interest only). Minimum credit score of 700. 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 1/1, 4/1, 7/1, and 10/1. 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 loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and Combined Loan to Value (CLTV) of secured real estate at the time of application.
  2. No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC).
  3. 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.

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.