Limited-Time Home Equity Line of Credit

Introductory Rate of 6.50% APR for the first year. APR as low as 7.75% after the first year.

  • No Closing Costs
  • No Processing Fees

Hurry, Offer Ends March 31, 2025!

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HELOC’s can be used however you see fit including home renovations, landscaping projects, college tuition, weddings, vacations, debt consolidation and more! Pay interest on only the amount you draw and continue to withdraw funds as you pay down the balance.

Interest may be tax-deductible (consult your tax advisor).

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Membership eligibility required with a minimum deposit of $5.00 in a Share/Savings account. Member must be in good standing with VLFCU, not eligible on refinance of current VLFCU mortgage loans. All loans are subject to credit approval. First or second lien, 1-4 family, owner-occupied, primary residence properties only. APR = Annual Percentage Rate. 6.50% APR is a promotional rate good for only 12 months after closing date. This APR is a variable rate with a minimum 7.75% APR to maximum of 18.00% APR. Actual APR will depend on borrower’s credit qualifications, term of the loan, and loan-to-value amount. Variable APR based on the current Wall Street Journal Prime rate plus 0.25% for 90% loan-to-value HELOCS (7.75% as of 2/27/2025). $50.00 Annual fee. If line of credit is closed within 36 months, fees may apply. Property and, if applicable, flood insurance are required. Minimum line amount $5,000.00; maximum line amount $99,999; initial draw must be at least $5,000.00. Consult a tax advisor regarding the deductibility of interest. Offer is available from March 1, 2025 – March 31, 2025. Programs, rates and terms are subject to change or cancellation without notice.

NMLS ID: 556003