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  • Upgrade your home with a home equity line of credit.

    Use your home's equity to repair, renovate, or cover other big expenses with a 5.74% APR? intro rate. 
    After that, the APR can range from 7.00% to 18% APR. 
Apply now
family working on house

If you own a home and have any big expenses coming up, a home equity line of credit (HELOC) might be perfect for you. You can set up a HELOC based on your equity in your home—up to 90% of your home’s value. Here’s what to keep in mind before you apply:

  • You’ll get a 5.74% APR? for the first 12 months. After that, the APR can range from 7.00% to  18%
  • If you don’t use your entire line of credit, it’s there in case you need it during the next 10 years.
  • There are no closing costs.?
  • It’s a line of credit, not a loan, which means you’ll only pay back what you use.​​​
  • You can borrow up to 90% of the appraised value of your home, less any outstanding mortgage liens.
  • The minimum amount is $20,000.

Here’s how to get and use a HELOC in just a few easy steps.

1. Plan

Think about what you might want to use that HELOC for. Check your home ‘to-do’ list and see what it might cover.

2. Apply

When you're ready to apply, have all the relevant information available. There’s no closing fee!

3. Connect

One of our representatives will call you to discuss your application and next steps. Again, we want to be careful as far as your home equity is concerned.

4. Transfer

Once you’ve been approved, you’ll be able to access your funds through digital banking. A HELOC is good for 10 years, so you’ll be able to cover whatever pops up in the future.

5. Make payments

You’ll be able to make payments through digital banking too. And remember—you only need to make payments on what you’ve spent, not the entire amount of the line of credit.

Tap into your home’s equity. 

Make the upgrades you want with a home equity line of credit

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804-323-6800 VACU Routing Number 251082615
  • 1

    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 11/05/2025 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.

  • 2

    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.

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