Home Equity Line of Credit

Home Equity Line of Credit

Put the power of your home's equity at your fingertips with $0 out-of-pocket costs, $0 annual fees, and $0 pre-payment penalties.1
Borrow $10,000 - $150,000 Accessible for a 10-year draw period Pay interest only during 10-year draw period Access 24/7 within Digital Banking Borrow up to 90% of home's value Interest paid may be tax deductible2
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Use Your Home's Equity How You Want

Home Improvement


Education Expenses


Vehicle Loans


Additional Large Purchases

Additional Large Purchases

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Home Equity Line of Credit Rates

Rates effective as of May 22, 2019

Rates effective as of May 22, 2019.

Combined Loan-to-Value at or Below 70%
as Low as
5.00% APR
Combined Loan-to-Value 70% - 80%
as Low as
5.50% APR
Combined Loan-to-Value 81% - 90%
as Low as
6.50% APR
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Start planning that remodel, consolidate high-interest debt, even take that dream vacation, and more!

Apply now or by phone at 844.ADVIA.CU.
Here's what you'll need to finalize the easy application process:
Check List of items needed

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Calculate a Home Equity Line of Credit Payment

View Per Payoff or Amortization Schedule

1 No out-of-pocket costs at closing when home’s loan-to-value is at or below 60% or when no appraisal necessary. Annual percentage rate (APR) may vary based on credit score and combined loan to value ratios. Advia's Interest only HELOC is a variable rate product and APR may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal (includes a lifetime interest rate cap of 8% over initial loan rate). We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Some products and services may vary based on geographical region. Offer and rates subject to change. Subject to credit approval. 2 Consult a tax advisor regarding tax deductibility which is subject to change at any time. 3 Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit worthiness of borrower(s) at time of application and loan to value of secured real estate. Advia Credit Union is an Equal Housing Lender. All loans subject to approval. Rates and promotional offers effective December 20, 2018 and subject to change.