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Home Equity Line of Credit

Money when you need it

Apply Now View Rates

Open it now, use it whenever

Get approved for a credit limit, then withdraw funds as you need them and pay it back over time. You'll only pay interest on what you use. Perfect for projects, education and as a source of emergency funds.

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Applications

Apply Online

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Loan Type

Variable Interest Rate

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Credit Type

Revolving

Here’s what you need to apply

- Current pay stub or 2 years of tax returns
- Warranty deed showing legal description
- Homeowners insurance
- Document showing current balance of mortgage
- If you’re refinancing: payoff statement

Questions? Contact Us

Here’s what to expect

  • 1

    Apply Online

    Have your documents handy. Feel free to call or stop by a branch if you need help.

  • 2

    Access Your Credit Line

    Withdraw funds as you need them. Use your loan to remodel, consolidate debt or pay for something else.

  • 3

    Make Online Payments

    As you pay back your loan, more credit becomes available. Set up automatic payments online to free up credit again.

Highly recommended this credit union. Excellent customer service.

— Sean V.

Start your next project or emergency fund

Apply online, and have access to a line of credit whenever you need it.

Start Application

  • *Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions. **HELOC and TLOC are adjustable rate loans with the rate being based on the WSJ Prime Rate. The WSJ Prime Rate is currently 8.50% as of 07/27/2023. ***Loan to Value. HELOCs require a minimum of $100 payment per month for up to 180 months.

Rates

Home Equity Line of Credit Rates

Rates effective as of: January 18, 2025

*Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions.
**HELOC and TLOC are adjustable-rate loans with the rate being based on the WSJ Prime Rate. The WSJ Prime Rate is currently 8.50% as of 07/27/2023.
***Loan to Value.
HELOCs require a minimum of $100 payment per month for up to 180 months.

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Rates effective as of: January 18, 2025

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