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Home Equity Loans

Write a Review Pay an Epic ZERO annual fee, pre-payment penalty, and closing costs!1
Compare Home Equity Services!

Home Equity Line of Credit or Fixed Loan?

We’ll guide you through your options and help give you quick access to financing.

Home Equity
Line of Credit

Interest-only payments for 10 years; amortized repayment thereafter
Low variable rate2
$0 annual fee
$0 pre-payment penalty
$0 closing costs1
Accessible for a
10-year draw period
Manage in Digital Banking
Interest may be tax deductible3
Learn More Apply Now

Home Equity
Loan

5, 10, or 15-year
repayment terms
Low fixed rate2
$0 annual fee

$0 pre-payment penalty
Single
one-time draw
Learn More Apply Now
With Member Advantage Rewards, earn better rates and incentives!

Home Equity Line of Credit Rates2

Combined Loan-to-Value at or Below 70%
as Low as
4.25% APR
Combined Loan-to-Value 71% - 80%
as Low as
4.75% APR
Combined Loan-to-Value 81% - 90%
as Low as
5.75% APR
Apply Today
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Start planning that remodel, consolidate high interest debt, even take that dream vacation, and more!

Check List of items needed

Required documents for all applications:

  • Two most recent paystubs for each borrower and must include YTD income totals
  • Two most recent W2s for each borrower (tax returns may not be used in place of W2s)
  • Most recent award letter, most recent 1099, or most recent two months’ direct deposit statements
  • Most recent 1099, or most recent two months’ direct deposit statements
  • Most recent account statement showing the distribution amount along with the account balance
  • Most recent two years’ complete federal tax returns

Other documents that may be needed:

  • Award letter or two months' direct deposit statements
  • Divorce decree/support order
Printable Checklist

Home Equity Loan or Line of Credit?

Calculate the difference and see what works for you.

1 No out-of-pocket costs at closing when home’s loan-to-value ratio is at or below 60% or when no appraisal necessary for Home Equity Lines of Credit (HELOC). 2 Annual Percentage Rate may vary based on credit score/combined loan-to-value ratios. Advia’s Interest-Only HELOC is a variable rate product tied to Prime Rate for both the draw & repayment periods; based on creditworthiness of borrower(s) at time of application & loan-to-value of secured real estate. APR 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, & 10/1 (includes a lifetime interest rate cap of 8% over initial loan rate). Your APR is equal to: as low as Prime index + 7.00%. An increase in the index will result in an increase to your APR. Some products & services may vary based on geographical region. Must be 18 or older to apply. 3 Consult a tax advisor regarding tax deductibility which is subject to change at any time. All offers/rates effective February 18, 2020 & subject to change at any time. Subject to credit approval. Equal Housing Opportunity.