Home Equity Lines of Credit

Membership eligibility required.

¹APR = Annual Percentage Rate - Minimum APR 4.00%. Maximum - APR is 18%.  APR Assumptions for HELOC: Loans may be available up to 80% -90% Total Loan to Value. Home Equity Line of Credit: Credit is subject to approval, not all applicants will qualify. APRs on are subject to increase after consummation and without prior notice. The rate is a variable rate adjusted to the Prime Rate monthly based on the Wall Street Journal's Prime Rate. As of 12/10/2025, the Prime Rate is 6.750%. Rates listed are our best rates based on approved credit. The actual rate offered may be higher depending on applicant's credit rating and other underwriting factors. You must pay certain fees to third parties such as appraisers, credit reporting firms, and government agencies. HELOC Closing costs including third party fees typically range between $0 - $4,000. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. HELOC converts to 10 Year repayment period after conclusion of 10 Year draw period. Adequate property and flood insurance may be required. A home equity line of credit is only available to members in an owner-occupied primary residence in the State of Georgia. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

HELOC Sample Payment: Assumptions: $50,000 balance on a HELOC @ 5% and 30 days in a billing cycle Interest-Only for 120 Month Draw Period: $205.48. Fully-amortizing for 120 Month Repayment Period: $530.33.