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No Closing Cost HELOC

Home Borrow Home Loans Home Equity No Closing Cost HELOC
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What’s Your Something?

In today’s economy, many members are looking for smarter ways to manage expenses, reduce high-interest debt, and stay financially secure.
You’ve built equity in your home — now the question is: what’s your something?
With our no closing cost home equity option, you can access the value you’ve built without added upfront fees, making it easier to take the next step.
A Home Equity Loan or Line of Credit can help you achieve:

  • Something that simplifies debt by consolidating higher-interest credit card balances.
  • Something that improves your home through repairs or energy-efficient upgrades.
  • Something that supports major life moments like education or large expenses.
  • Something that gives you peace of mind with a financial cushion for unexpected costs.

And with no closing costs, your something becomes an even more cost-effective way to borrow.

You’ve built equity over time. Now you can use it strategically with a Home Equity Loan or Line of Credit — with no closing costs.

So, again, what’s your something?

APPLY NOW VIEW RATES Consult A Loan Expert

Call us at 770-448-8200 ext. 2241 with any questions or to meet with an experience mortgage specialist. Consult with your tax advisor about if you qualify for tax-deductible interest if you use your loan to “buy, build, or substantially improve.”

*Offer valid May 1, 2026 – July 31. 2026. Must apply by June 30, 2026. A closing cost credit of up to $400 is given at the time of closing. If closing costs exceed $400, the borrower is responsible for the amount exceeding $400. Borrower paid costs could include attorney fee ($350 - $600), post-closing fee ($100 - $250), title exam fee ($100 - $300), Georgia Residential Mortgage Loan fee of $10 (if property is located within the State of Georgia), recording fees ($25 - $250), any applicable state or local taxes and fees. Other fees or charges may apply. If an appraisal(s) is required, the borrower is responsible for the cost of the appraisal(s), which could be up to $1,300. Subject property must be the primary residence. Offer available in the states of Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Minimum representative credit score of 680 required. Maximum 80% combined loan to value on Adjustable-Rate Home Equity Line of Credit with a loan amount of $10,000 to $350,000. APR = Annual Percentage Rate. The annual percentage rate for the adjustable rate HELOC 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 for the adjustable rate HELOC may change on the first day of each calendar quarter. The current annual percentage rate as of 04/01/2025 is 6.750%. The maximum annual percentage rate is 18.00% with a floor of 4.00%.  The current rate for the fixed rate HELOC as of 01/01/2025 is 8.75 – 9.25%. Fixed Rate HELOC rate subject to credit score tier.  Maximum 80% combined loan to value on Fixed-Rate Home Equity Line of Credit with a loan amount of $10,000 to $350,000. Rates subject to change based on market conditions. Terms may change at any time and some restrictions may apply.  Must be a member of the credit union, there is a $5 fee to join the credit union and minimum $5 deposit required in your credit union share account. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #401922.