Home Equity Loans

Home Equity Line Of Credit

Our HELOC lets you do more for less.

Is it time to replace that leaky roof, pay for unexpected expenses, or consolidate your debt? Your credit union can help with a low cost Home Equity Line of Credit (HELOC). You may realize substantial savings by borrowing against your home compared with other loan options.

By using the equity in your home, you may qualify for a line of credit at a low interest rate. Our HELOC allows you to draw the loan funds as needed -- for home improvements, vacations, emergencies -- you decide. You can even re-borrow from the principal at a later date during the open-end phase of the loan. And the interest on your home equity financing may be tax-deductible.

Unlike those of most financial institutions, our HELOC requires:

  • No minimum advance
  • No annual fee
  • No pre-payment penalty through the life of the loan
  • Lines of credit up to 100% of the value of your home

Once your line of credit is established, we deposit funds automatically into your account, and your next advance is a click or phone call away. Apply for a HELOC online or call for more information. 

Not a member yet? Our community-based charter allows anyone who lives, works, worships or attends school in Greenville County to join. 

Getting an advance from your Home Equity Line of Credit is simple.

Self-service for your HELOC is available through Online and Mobile banking.

Did you know you have quick and secure access to your Home Equity Line of Credit through Online and Mobile banking? Simply transfer advances from your HELOC into your checking or savings account when logged in. 

Not enrolled in Online or Mobile banking? Learn more.

Second Mortgage

Second mortgages are also available. Based on the equity in your home, borrow a lump sum of money and pay the loan off in fixed payments at a fixed interest rate over the life of your loan.

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).