Home Equity: 4.90% APR for 12 Months
4.90% APR* HELOC: Turn Your Home’s Equity Into Opportunity.
Whether you're planning a major renovation, consolidating debt, or managing life’s larger expenses, our Home Equity Line of Credit (HELOC) gives you the flexibility and financial power to make it happen.
Enjoy a promotional rate of 4.90% APR for 12 months on all advances taken during the offer period. With both adjustable-rate and fixed-rate options available, you’re in control—borrow what you need, when you need it
Why Choose Our HELOC?
- 4.90% APR for 12 Months: Applies to all advances made during the promotional period.¹
- No Application Fees: Keep more money in your pocket from the start.
- No Prepayment Penalties: Pay off your balance early with zero penalties.
- Fast Closings: Close your HELOC in less than 30 days.
- High Borrowing Power: Access up to 80% of your home’s appraised value.
- Easy Repayment Options: Set up automatic payments for added convenience.
Take advantage of this 4.90% APR for 12 months offer and turn your home’s equity into opportunity. Get started now and fund what matters most.
APPLY NOW VIEW RATES Consult A Loan Expert*HELOC = Home Equity Line of Credit. APR = Annual Percentage Rate. 1 Promotional period is September 1, 2026, through November 30, 2026. Promotional interest rate is 4.90% with qualifications. The 4.90% promotional interest rate applies to all advances of $5,000.00 or more taken between September 1, 2026, and November 30, 2026. 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 may change on the first day of each calendar quarter. The current non-promotional annual percentage rate as of 07/01/2026 is 7.50%. The maximum annual percentage rate is 18.00% with a floor of 4.00%. The current non-promotional rate for the fixed rate HELOC as of 07/01/2026 is 8.50%. Offer available to residents within the states of Georgia, Florida, North Carolina, South Carolina, Alabama, and Tennessee. Offer available to members with a HELOC that has a credit limit expiring on 12/01/2026 or later. All loans are subject to credit approval. Associated Credit Union assumes (unless otherwise noted) that: This is your primary residence and is a 1 (one) to 2 (two) unit property. Debt-to-income (DTI) ratio is equal to or less than 43%. Minimum representative credit score of 680. If your home is located outside of Associated Credit Union’s branch network, you will be required to pay an attorney fee which usually totals between $400.00 and $800.00 for title examination and closing and a recording fee which usually totals $25.00. If your home is located within Associated Credit Union's branch network, the closing fee is usually $384.00 to close at a branch location. If we deem an appraisal on your home is necessary, then, you must pay an appraisal fee that is usually between $100.00 and $700.00. There are usually 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 $250,000. Some restrictions may apply. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. Minimum HELOC available balance must be $5,000 or greater. The promotional interest rate ends on November 30, 2026. Any unpaid promotional balances will revert to the current interest rate being charged at that time. HELOC offer subject to change at any time. Fees and costs can change at any time. NMLS#401922.
