Whether it's home improvement, an unexpected expense, a need to consolidate debt, or other expenses, get the funds you need with these home equity offers!
HELOC (Home Equity Line of Credit)
An open-ended revolving line of credit.
Details:
- Lock in a 4.99% Rate/5.279% APR* fixed for the first six months. (Afterwards, get a variable rate as low as 5.750% APR, currently Prime Rate minus 1%, not to exceed 18% APR.)
- 20 year draw period.
- 15 year repayment period.
- No appraisal for equity up to $250k, as long as Loan-to-Value is less than 80%.
- Available for your primary residence.
Fixed Rate Second Mortgage
One lump sum payout up front.
Details:
- Get .50% off your qualified rate on a 120 month term.**
- Payment terms of 120 months.
- Available for your primary residence.
Requirements for both offers:
- Benefits Checking or legacy ECU Rewards Checking account required. Not a member? Check out this special $400 checking offer.
- Monthly direct deposit required into your Benefits or ECU Rewards Checking account ($2,000 monthly minimum).
- Loan autopay from your Benefits or legacy ECU Rewards Checking account required.
*APR=Annual Percentage Rate. 5.279% APR is an introductory rate fixed for six (6) months from open date. Introductory rate offer subject to change or end without notice. As of 4/1/2026, without introductory rate, the HELOC variable rate is based on Wall Street Journal Prime Rate, currently 6.75% APR, subject to change monthly. Subject to credit approval. Not all applicants will qualify. CLTV (combined loan-to-value) ratio and loan amount restrictions apply. Floor rate 3.25%. Maximum of 18.00% APR. Minimum loan amount $10,000. Homeowners/property insurance is required. Flood insurance may be required. Closing cost and fees apply. Consult your tax advisor regarding deducting interest and charges. Membership eligibility apply. Borrow $50,000 at 5.279% APR of up to 80% LTV will be an estimated monthly payment of $395. Contact a Credit Union Loan Officer for more information. 35-year term (20-year draw period with a final 15-year repayment period). To receive the discounted rate this offer requires a minimum $2,000 monthly direct deposits setup into an Addition Financial Benefits Checking or legacy ECU Rewards Checking account prior to the closing of your loan. Automatic transfer from an AFCU account must be set up to make the loan payment. Checking account qualifications apply. Direct deposit is defined as any recurring electronic deposit. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of payroll, pension, and government benefit payments. Equal Housing Opportunity.
**To receive the discounted rate this offer requires monthly a minimum of $2,000 direct deposit setup into an Addition Financial Benefits Checking or legacy ECU Rewards Checking account prior to the closing of your loan. Automatic transfer from an AFCU account must be set up to make the mortgage payment. Offer does not apply to existing Addition Financial mortgages. Loans are granted based on credit qualification. Checking account qualifications apply. Direct deposit is defined as any recurring electronic deposit. Eligible direct deposits are limited to verified regularly scheduled electronic direct deposits of payroll, pension, and government benefit payments. Membership eligibility is required. Limited time Offer effective 4/1/2026 and is subject to change without notice and cannot be combined with any other offer. Offer only on primary residences. $200,000 financed at 6.000% fixed interest rate with 6.298% annual percentage rate would result in a monthly payment of $1,687.71 for 180 months. Equal Housing Opportunity
