You’ve provided a roof over your family’s heads for years. Now it’s time to make that roof do something for you! A home equity loan or line of credit uses the equity you’ve built within your house as collateral to secure personal financing for a wide range of needs. Financing from Valley FCU means you can expect an affordable rate and low closing costs that will work with your budget. And terms up to 30 years give you the flexibility to pay off your loan on your time. And for a limited time the ORIGINATION FEE WAIVED and enjoy 1.99% APR** for 6 months! After 6 months, rates as low as prime rate.
When applying, you will need the following items:
Similar to a Home Equity Loan, a Home Equity Line of Credit is based off the equity in your home. You can use that equity as collateral to fund almost any need. A HELOC differs in that it's available anytime and can be accessed the moment a need arises.
Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment.
With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in accordance with your plan choice. You benefit from the peace of mind knowing you and your credit rating are protected.
Your choice on this product does not affect our credit decision.
*Consult a tax advisor.
**Annual Percentage Rate. After 6 months, rate on your loan will revert to the standard variable rate for a Home Equity Line of Credit (HELOC) as low as Prime Rate, which was 4.50% on January 1, 2018.The maximum interest rate will not exceed 17.99%. All loans subject to credit approval.