Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings

Get the VACU Mobile App for 24/7 access to your accounts.

Open

  • Home Equity Options

    Tap into the money you’ve already invested in your home to cover life’s major expenses.
man with dog doing home improvement

Home Equity Loan

Get the funds you need for a large expense – such as a major home improvement  – or consolidate debt.

Features & Benefits

  • One lump sum when you get the loan
  • Fixed monthly payment
  • Fixed monthly rate
  • Best rate for repayment by automatic transfer from your checking
  • Interest charged on full loan amount
Apply now Contact a loan officer
Rates as low as
7.75

As low as 7.75% APR ?

Terms up to

20 yrs

Available in terms of 5, 10, 15, or 20 years

Home Equity Line of Credit

Gain flexibility with recurring expenses, including home renovations or education-related costs.

Features & Benefits

  • Use as needed, up to approved credit limit
  • Variable monthly payment
  • Variable monthly rate
  • Interest charged only on outstanding balance
Apply now Contact a loan officer
Intro rate for first 12 months
5.74

?

After that the APR can range from 7.00% -  18% APR based on the Prime Rate and other criteria.

Draw & repayment periods of

10 yrs

Comes with a 10-year draw period and 10-year repayment period.

Compare Home Equity Options

Attribute to Compare
Home Equity Loan
Home Equity Line of Credit

Best for

Best for

Large expenses, like a major home improvement,
or you want to consolidate debt

Best for

Recurring expenses, such as home renovation
or home improvement costs

Access to funds

Access to funds

One lump sum when you get the loan

Access to funds

Use as needed, up to an approved credit limit

Monthly payment

Monthly payment

Fixed amount

Monthly payment

Variable amount

Closing costs

Closing costs

$0

Closing costs

$0

Interest rate

Interest rate

As low as 7.75% APR ? fixed rate

Interest rate

Introductory rate of 5.74% APR? for the first 12 months and then after that, a variable rate ranging from 7.00% – 18% APR based on the Prime Rate and other criteria

Interest charged

Interest charged

On the full loan amount

Interest charged

Only on the outstanding balance

Loan amounts

Loan amounts

Borrow up to 90% of the appraised value of your home, less the balance of your first mortgage, from $20,000 to $100,000; up to 85% for loan amounts from $100,000 to $175,000; up to 80% for loan amounts over $175,000.?

Loan amounts

Borrow up to 90% of the appraised value of your home, less the balance of your first mortgage, from $20,000 to $100,000; up to 85% for loan amounts from $100,000 to $175,000; up to 80% for loan amounts over $175,000.?

Terms available

Terms available

5, 10, 15 or 20 years

Terms available

10-year draw period and 10-year repayment period
Scroll to top
800-285-6609
VACU Routing Number 251082615
NCUA logo Insured by NCUA Equal Housing Opportunity logo Equal Housing Opportunity NMLS# 407552
Privacy Privacy Settings Site Map © 2026 Virginia Credit Union
  • 1

    Rate effective as of 11/05/2026. 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.

  • 2

    5.74% APR valid for 12 months from account opening and after that APR may vary. Listed APR range is current based on Prime Rate as of 11/05/2026 and APR will never be more than 18%. Your qualifying APR is determined based on our internal credit criteria, loan to value (LTV), credit rating and other factors. LTV may not exceed 90%. Property insurance is 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 loan amount is $20,000. Contact us for other options, current rates and information.

  • 3

    For a secondary residence borrow up to 70% of the appraised value of the home, less the balance of the first mortgage, from $20,000 to $50,000.