A Home Equity Line of Credit (HELOC) can be truly lifechanging as a flexible source of funds you could use anytime, for any purpose. Apply now and you could secure a line of credit up to the full value you own in your home – with no closing costs!
Our HELOCs can be used for:
- Home improvements
- Family vacations
- Debt consolidation
- College financing
…and more!
In other words, think big! It can be used for any of your financial needs.
Our HELOCs feature:
- Up to 100% LTV (loan-to-value) financing
- Ten-year draw period
- Variable rates (Prime -0.25)
- Convenient withdrawals in digital banking
Apply now to see what you qualify for, and you could even enjoy no closing costs! But don’t wait – this offer is only valid until November 30th.
Get started at visionsfcu.org/HELOCoffer.
Want to explore your options?
Speak with a representative at your local branch or over the phone at 800.242.2120. We’ll crunch numbers to see what your home can do for you.
visionsfcu.org/HELOCoffer
800.242.2120
*APR = Annual Percentage Rate. Rate and terms are available on new home equity lines only. Credit union membership required with a $1 minimum deposit; restrictions apply, ask for details. Property must be owner-occupied. Maximum line amount is $500,000 with a CLTV up to 80% of appraised value minus a first mortgage. Maximum line amount is $250,000 for lines with a CLTV of 80.01%-100% of appraised value minus a first mortgage. APR is Prime -.25% with a minimum rate of 3.00% and a maximum rate of 15.80% APR. As of 08/31/2025, the rate was 7.25% APR; click here for current rate information. The following conditions must be met to waive closing costs: automatic payment on the new line and a minimum of $25,000 in new money advanced at closing. Estimated savings of closing costs, which varies by geographic market and property, generally total between $625 and $4875, including, but not limited to, the following costs: Automated Valuation Method (AVM), flood determination, credit report, lender attorney fees, recording fee, mortgage tax, and title insurance (if applicable). Borrowers may be responsible for appraisal cost, if applicable. Property insurance is required. Flood insurance may be required. Borrower(s) will need to reimburse the credit union the full value of the closing costs resulting from the loan origination if the line is paid off and closed within 36 months of opening. Promotional period is 09/01/2025-11/30/2025. Offer subject to change or expire without notice. Applications must be submitted no later than 11/30/25. Equal Housing Lender. Federally insured by NCUA.
