Refinance Your HELOC

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Home Equity Line of Credit Special

  • 9 Month Introductory Rate
    4.99% APR*

    and no closing costs!*

  • Variable thereafter
    7.50% APR*

Yes, You Can Refinance Your HELOC!

Most homeowners don’t realize that they can refinance their existing Home Equity Line of Credit (HELOC)—but you can, and it could save you money! Whether you’re looking for a lower interest rate, a fixed-rate option, or more flexible terms, refinancing your HELOC can help you maximize your home’s equity while keeping your finances on track.

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Extend Your Draw Period

Continue to have access to funds by extending the draw period of your HELOC.

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Potentially Lower Your Interest Rate:

Take advantage of our competitive rates to potentially lower your monthly payments.

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Access Additional Funds

If your home’s value has increased, you may be able to access more equity.

Rates

Home Equity Line of Credit

4.99% APR*

9 Month Introductory Rate

Plus, no closing costs!*

Don’t wait, apply now! Call 757-877-2444 or Apply Now

*APR= Annual Percentage Rate. Current APR as of 1/27/2025. Introductory rate of 4.99% fixed APR for first nine months. Thereafter, variable APR adjusted monthly based on Wall Street Journal Prime Rate (index) + a margin for the life of the loan. Current APR as of 1/10/2025 is 7.50% APR, includes + 0.00 margin and assumes great credit and loan to value < 80%. Minimum floor rate of 4.99% APR and a maximum rate of 18% APR. Introductory rate includes 0.50% discount for having a direct deposit into a 1st Advantage account and 0.50% discount for auto payment.  Initial draw at closing at least $20,000 required for introduction rate. Rates and terms will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Introductory offer not available for refinances of existing 1st Advantage home equity loan/line of credit. No closing costs, excluding appraisal fee if required, for new loans of $250,000 or less. Not available for home purchase or investment properties. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer.

4.99% APR*

7.50% APR*

9 Month Introductory Rate

Variable thereafter

Ready to Refinance? Let’s Get Started!

Take advantage of the special and ensure you continue to have access to the funds you need.

Apply Online
Apply Online

Apply Now

Please choose one of the following options:

Questions?

Speak with a Representative

Chat online

Call us: 1 (800) 359-7650


Representatives are available 24/7 to assist you.

Call Us
757-877-2444
Apply in person
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