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A Home Reno. Pay for an Unexpected Expense. Create an Emergency Fund.

HELOC_drill

There’s no limit to the reasons you might want to tap into your home’s equity.

Renovate a kitchen that’s stuck in the ‘70s.

Cover an expense you didn’t see coming. Like a new HVAC or a septic pump.

Establish an emergency. You know, just in case.

All of these – and many more – are great reasons to look into a Home Equity Line of Credit with a great rate.

Speaking of great rates, check out our introductory1 offers that allow you to lock in a fantastic rate from one year to three.

  • 1.75% APR introductory fixed rate for 12 months
  • 2.75% APR introductory fixed rate for 24 months
  • 3.25% APR introductory fixed rate for 36 months2

After the introductory fixed-rate period, the APR will vary based on the prime rate plus a margin3 ranging from 0% to 2.50%. As of March 1, 2021, the prime rate was 3.25%. Current variable rates range from 3.25% APR to 5.75% APR.

And if you use the Home Equity Line of Credit for home improvements, you may be able to deduct the interest from your taxes. Consult a tax advisor regarding the deductibility of interest.

Apply now and lock in a great rate today.

1The 12-month and 24-month introductory fixed-rate offers are not available if the property has been used by the current owners to secure another Home Equity Line of Credit in the past three years at Avadian. Cannot be combined with other special promotions. Property insurance is required. All rates and offers are subject to change without notice.

2
The 36-month introductory fixed-rate offer is available only on new HELOC originations and may not be used to refinance.

3
The amount of the margin will vary based on several factors, including creditworthiness and loan to value ratio. Maximum lifetime rate on Home Equity Line of Credit is 15.00% APR. Closing costs will be waived with a minimum advance at closing of $10,000. (The $10,000 must be new money.) Closing costs and other fees are estimated to be between $300 and $700. If the Home Equity Line of Credit falls below $9,000 in the first six months, you will have to reimburse the closing costs waived by the credit union.

Equal Housing Opportunity Lender

NMLS #422274


The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

Equal Housing Lender Equal Housing Opportunity Lender. 
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