Whether it's home improvement, an unexpected expense, a need to consolidate debt, or other expenses, get the funds you need with this home equity promotion!
HELOC (Home Equity Line of Credit)
4.75% Intro Rate/5.037% Intro APR*
fixed for the first six months!
(Afterwards, get a variable rate as low as 6.750% APR**, the current Prime Rate, not to exceed 18.00%.)
An open-ended revolving line of credit:
- 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 or second homes only (no condos or investment properties).
Requirements for the promotion:
- 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. 5.037% APR is an introductory rate fixed for six (6) months from open date. Introductory rate promo subject to change or end without notice. As of 8/1/2026, 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. Promo not available on existing HELOCs. No other rate discounts apply. 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/maximum $500,000. 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 requirements apply. Borrow $50,000 at 5.037% APR of up to 80% LTV will be an estimated monthly payment of $389.15. 35-year term (20-year draw period with a final 15-year repayment period). Contact a credit union Loan Officer for more information. Equal Housing Opportunity. For more information about Addition Financial Credit Union's HELOCs visit AdditionFi.com/HELOC.
To receive the discounted rate this promo 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. Insured by NCUA.
**Post-Introductory Variable Rates subject to change without notice.
