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1.9% APR Home Equity Line Of Credit

Unlock your HELOC to finance all your home improvement projects and more

Start using your existing Home Equity Line of Credit and receive 1.9% APR on any advances made through June 30, 2016 that add up to $10,000 or more. Promotional rate ends June 30, 2017.

HELOCs provide you with flexibility because they can be used for anything. This is the perfect time to finance:

  • Home renovations
  • Tuition
  • Medical bills

To start using your HELOC, simply give us a call at 770.448.8200, Ext. 2141, log in to Online Banking, stop by a branch, or use your HELOC checkbook.

Don't have a HELOC? Apply for a HELOC today so you can take advantage of this limited time offer. Click to learn more about our HELOCs or apply online today.

FAQs: Unlock Your HELOC

 

APR = Annual Percentage Rate. Promotional period is April 1, 2016 through June 30, 2016. Promotional interest rate is 1.9% with qualifications. The annual percentage rate is based on the value of an index. The index is the “Prime Rate” published in the Money Rates section of the Wall Street Journal. The annual percentage rate may change on the first day of each calendar quarter. The current non-promotional annual percentage rate as of 04/01/2016 is 4.000%. The maximum annual percentage rate is 18.00% with a floor of 4.00%. Interest accrues from the advance date. Interest is calculated on the daily outstanding balance. Minimum HELOC available balance has to be $10,000 or greater. Offer available to residents within the states of Georgia, Florida, North Carolina, South Carolina, Alabama, and Tennessee. All loans are subject to credit approval. Associated Credit Union assumes (unless otherwise noted) that: This is your primary residence and is a 1-4 unit property. Debt-to-income ratio is equal to or less than 43%. Minimum representative credit score of 680. Homeowners insurance is required. If your home is located in the state of Georgia, you will be required to pay an attorney fee which usually totals between $300.00 and $600.00 for title examination and closing and a recording fee which usually totals between $16.00 and $20.00. If your home is located outside of the state of Georgia, you will be required to pay attorney’s fees and recording fees and taxes which usually total between $400.00 and $800.00. If we deem an appraisal on your home is necessary, then, you must pay an appraisal fee that is usually between $100.00 and $500.00. There are no other fees or charges assessed to open your line of credit. There are no fees or charges assessed to maintain your line of credit. Subject property must have hazard insurance coverage and if applicable, flood insurance coverage. The minimum loan amount is $10,000 and the maximum loan amount is $100,000. Some restrictions may apply. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. In order to qualify for the 1.9% interest rate there has to be a cumulative advance of $10,000 or greater during the promotional period. Promotional rate ends on June 30, 2017. Offer subject to change at any time. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. Some restrictions may apply.

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