Equity Loans | Virginia Credit Union

A Home Equity Loan may be right for you if you have a large expense such as a major home improvement or you want to consolidate your debt.

Fixed rate and monthly payment amount
Term rates available
You can borrow up to 90% of the appraised value of your home, less any outstanding mortgages owed on the property
Best rates for repayment by automatic transfer from your checking account
Funds disbursed in full when you get the loan
No closing costs*

Get Started

Application Checklist

Equity Loan Rates

Product

APR* as low as

Home Equity Loan

4.75%

* Read Important Disclosure

*Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a 0.000% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates.

^{*Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates.}

Conquer your to-do list. Use the equity in your home.

Home Equity FAQs

Home Equity Lines of Credit