- First
- Second
- Home Equity Line
- Reverse Mortgage
- SMARTMOVE

- Advantage Credit Builder
- Online Access
- Calculators

- Auto Buying Services
- Research
- Extras

- Loan
- Mortgage
- Skip-A-Payment

- 757-886-3337
- 1-800-359-7650 ext. 3337

Credit Card Act FAQ
1A would like to notify our members about loan due date changes.
More >>

Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit (HELOC) is an open-end, revolving loan product that allows you to withdraw funds from your available line. During the draw period your loan is replenished every time you pay it down. 

With rates this low, now is the time to consolidate your bills, remodel your home, take that well deserved vacation, or anything else you've been dreaming about doing but just haven't had the cash flow.

* Credit restrictions apply. Rates subject to change without notice and are not guaranteed. 2% cap per adjustment, 5% lifetime cap. 2.75% margin, 3 year CMT index. Other rate and point options and higher loan to values may be available. Loan Example: $160,000, 5% (5.05%Annual Percentage Rate), 360 payments at $858.91 Principal & Interest. Based on sales price of $200,000 with 20% down.

Click here for all rates and terms.

Click Here for Truth in Lending Disclosures

Call 1-800-LOAN-443 or Apply Now

• No Prepayment Penalty
• Debt protection and cancellation up to $100,000
• Funds may be used for any purpose, such as debt consolidation, home improvements, payment of college tuition, purchase of an automobile and for home purchases
• Minimum credit line is $2500; Maximum is $200,000
• The draw period is 10 years with a 20 year payback period
• Rates as low as prime minus 1% up to 80% total loan to value and prime plus 1% up to 100% total loan to value
• Payments may be made via Advantagenet, CAT, ATM, Direct Deposit, Payroll Deduction, by Mail or in person at any branch or service center
• Interest may be tax deductible “consult with your tax advisor”
• Primary residence only

Can I pre-qualify for a mortgage loan? Just call our Pre-qualification Line at 1-800-381-1910.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
by the NCUA (National Credit Union Administration), a U.S. Government Agency