Home Equity Line of Credit (HELOC)

Turn dreams to reality with a new HELOC as low as 6.49% intro APR for 12 months with Advantage Plus Rewards.1 Available for new accounts or refinancing from another bank or credit union.

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HELOC features you can use:

  • As low as 6.49% intro APR with Advantage Plus Rewards1
  • As low as 6.74% intro APR (otherwise)1
  • Low to no closing costs2
  • $0 annual or pre-payment fee
  • Interest-only payment for 10 years
  • 10-year repayment term

See all current HELOC rates

HELOC benefits you'll love:

  • Interest may be tax deductible3
  • Add value to your home by renovating
  • Flexible access to funds
  • Have a safety net for unplanned expenses
  • Only pay for what you use

There are so many ways to use your home's equity with a HELOC.

  • Tackle renovation projects you've been putting off
  • Consolidating debt into one easy-to-make payment
  • Take that long-awaited family vacation or anniversary trip
  • Invest in educational opportunities or career development
  • Use it as a safety net for life's unexpected expenses

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Estimate your Home Equity Line of Credit payment.

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What is a Home Equity Line of Credit and how does it work?

Learn more about what home equity is and how you can tap into it with a Home Equity Line of Credit from Advia.

Read More About HELOCs

When you first open a Home Equity Line of Credit (HELOC) with us, your payments during the initial period primarily cover the interest on the amount you've borrowed. This means your initial payments will be lower, giving you the flexibility to manage your finances more easily. You'll make these payments monthly, and you can do so through various convenient methods, such as online banking, direct debit, or in-branch payments. It's important to remember that your HELOC has a variable interest rate, which means your payment amounts could change over time based on rate fluctuations. This flexible structure is designed to help you make the most of your home's equity right from the start, with manageable payments tailored to your evolving financial needs.

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  1. Introductory Annual Percentage Rate (APR) of 6.49% for the first 12 months is a promotional offer available for HELOC applications submitted based on the following qualifications: (1) minimum credit score of 700 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, and (3) minimum line of $10,000 selected. (4) Member is Advantage Plus status at the time of application. Estimated monthly payment for a $10,000 HELOC during the introductory period for the following APR: 6.49% = $55.12 (interest only). Applicants that meet the first three qualifications but do not meet Advantage Plus Rewards qualifications will have an APR of 6.74% for the first 12 months. Following the promotional period of 12 months, the APR will revert to a variable rate, which is as low as 7.00% APR as of 02/01/2025, which may change quarterly based on an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.
  2. No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC).
  3. Consult a tax advisor regarding tax deductibility as tax laws are subject to change.

Some products and services may vary based on geographical region. Offer and rates subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.