Home Equity

Home Equity VISA® Credit Card

Now you can enjoy the advantages of a Home Equity Line of Credit (HELOC) and the convenience of a Visa® credit card! Our Home Equity Visa card makes it even easier to renovate your home, consolidate debt or even manage everyday expenses. Use it anywhere Visa is accepted!

It's easy to enjoy:Advantage One credit card: Apply today

  • Competitive rates
  • Visa's Zero Liability Protection
  • Generous Credit Limits
  • No application fee or annual fee
  • Borrow up to 80% of your home's appraised value*
  • Repayment terms of 10 or 15 years

By using the available equity in your home as collateral, our Home Equity Visa credit card can be an affordable way to get the funds you need. Plus, Advantage One offers no closing costs, application or annual fees. 

*Borrow up to 80% of your home's appraised value (less mortgage & liens). 

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    Home Equity Line of Credit Loans
    Effective Date: Thursday, June 21st, 2018
    NameBalanceAnnual Percentage Rate
    10 year Line of Credit $10,000+ 5.00%
    Quoted Home Equity Line-of-Credit rates are the lowest available. Your final loan rate is based upon the Prime rate, original credit limit, and loan-to-value and may be higher than the quoted rates. The credit union rates have a floor of 4.00% and a maximum of 16.00%. Rates are subject to review and change quarterly. The minimum credit advance that you can receive is $10,000.00 for the first advance. You can obtain credit advances for 10 years during the draw period. The length of the repayment period will be 10 years. You will be required to make monthly payments during the draw and repayment periods. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling.
    FEES AND CHARGES: In order to open, use and maintain a line of credit plan, you may have to pay a $325.00 Loan Processing Fee due at closing. You may have to pay certain fees to third parties to open the Plan. These fees generally total between $0.00 and $600.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. These fees which are normally paid at closing may be waived. However, you will be required to reimburse us for fees paid on your behalf if your balance becomes zero or you close your plan during the first 36 months of the Plan. You may receive a refund of any fees if the rates change and you decide not to complete the process.

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