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Take Advantage of Our 3.99% APR* HELOC Fixed Rate for 12 Months

Rate will adjust to a variable rate as low as 7.00% APR after the 12 months*

A Home Equity Line of Credit (HELOC) is an affordable way to borrow money that’s secured against the value you’ve already built up in your home. With a 12-month fixed rate as low as 3.99% APR*, your HELOC can be used for anything you need, including: 

  • Debt consolidation
  • Home renovations/repairs
  • Education
  • Vacation
  • Wedding
  • Medical Bills

Learn more about HELOCs here or contact our real estate loan experts who are here to help at 800-619-6575.

*Rates shown are Annual Percentage Rate (APR). HELOC promotional rate of 3.99% APR is fixed for the first 12 months. After the promotional period, the rate will vary based on the Wall Street Journal Prime “Prime” rate published on the last business day of the month, 7.00% APR as of 11/03/2022. APR may increase after the loan is closed; maximum APR is 17.125%. Minimum line of credit is $10,000. Property insurance is required. During the 10-year draw period a Home Equity Line of Credit with a balance of $10,000 and APR of 3.99% for the first 12 billing cycles will result in 12 interest only payments of $33.25. After the promotional period a balance of $10,000 and variable APR of 7.00% will result in 108 interest only payments of $59.45, followed by 179 payments of $89.88 and one (1) final payment of $90.25 during the repayment period. Payment example does not include taxes and insurance; actual payment obligation will be greater. During draw period minimum payment required is interest only. Closing costs will apply to home equity lines of credit secured by properties that are listed for sale. Properties currently on the market will be subject to credit report, title, recording, settlement, and appraisal fees (approximately $900). Existing Service Credit Union HELOC’s are not eligible for this promotion. An early termination fee of $400 applies if paid off and closed within 36 months of opened. The fee will be waived if refinanced with Service Federal Credit Union, increasing the original line of credit amount by at least $10,000, or if the borrower paid closing costs for the home equity line of credit. Subject to credit worthiness and dwelling requirements. Must be an existing member or eligible for membership. Promotion runs from 11/03/2022-12/31/2022 and is subject to change or be discontinued without notice.