Our special introductory rate makes tapping into your home’s equity more affordable.

Right now, we’re offering an introductory rate¹of 4.50% APR for six months on a home equity line of credit. After the introductory fixed-rate period, the APR will vary based on the prime rate plus a margin² ranging from 0.25% to 2.50%. As of Feb. 9, 2026, the prime rate was 6.75%. Current variable rates range from 7.00% APR to 9.25% APR.

And it’s not just any HELOC. It’s a HELOCPlus+, a unique home equity solution that combines the flexibility of a home equity line of credit and the “budgetability” that comes with a fixed-rate home equity loan(that’s the “Plus+” part).

No matter how you plan to your use equity – tackling home renovations, consolidating high-interest debt, or covering an emergency bill –Avadian’s HELOCPlus+ can help.

Learn more about how Avadian’s HELOCPlus+ works, including locking in a fixed rate on the “Plus+” part of a HELOCPlus+ here.

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

²The 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 of $10,000 at closing. The closing costs will not be waived if the funds advanced at closing are used to pay off existing loans with Avadian. Closing costs and other fees are estimated to be between $600 and $900. If the Home Equity Line of Credit falls below $9,000 in the first six months, you will have to reimburse the closing costs and fees waived by the credit union.