Unlock Your Home’s Potential
Your home is more than just a place to live – it’s also a powerful financial asset. A Home Equity Line of Credit (HELOC) from FVSBank gives you flexible access to funds when you need them, whether for home improvements, debt consolidation, education expenses, or unexpected costs.
5.95% rate/APR* Home Equity Line of Credit (HELOC)
Introductory Rate for 18 months from closing date,
then as low as *Prime +0.75% thereafter
*Disclaimers: *APR = Annual Percentage Rate. Effective March 1, 2025, subject to change at any time. This Home Equity Line of Credit has a variable rate with a floor of 4.00% and a ceiling of 18.00% APR. As of March 3, 2025, Prime Rate is 7.50%. Your APR will change after 1 months from the closing date to anywhere between Prime + 0.75% and Prime + 1.25% and whenever the Prime Rate changes thereafter. Prime Rate is the advertised rate in the Wall Street Journal. The Prime Rate is 7.50% + 1.25%; the APR would be 8.75%. The APR range is determined by credit scores. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived for the first year. The estimated closing costs are as low as $250 due at the time of closing, excluding property evaluation, if needed. Limited to 80% maximum loan-to-value ratio. Homeowners Insurance is required. New home equity lines of credit only.
What is a Home Equity Line of Credit (HELOC)?
A HELOC is a revolving line of credit that lets you borrow against the equity in your home. Instead of receiving a lump sum, you can withdraw funds as needed – similiar to a credit card but with lower interest rates.
Key Benefits of a HELOC
- Flexible Access to Funds – Borrow what you need, when you need it.
- Lower Interest Rates – Competitive rates compared to credit cards or personal loans.
- Revolving Credit – As you repay, funds become available again.
- Use for Any Purpose – Home renovations, tuition, medical bills, or even a dream vacation.
- Potential Tax Benefits – Interest may be tax-deductible (consult a tax advisor).
Own a home with available equity.
Want financial flexibility for large expenses or emergencies.
Prefer a revolving line of credit over a lump-sum loan.
Are looking for a lower-cost borrowing option than credit cards.
Why Choose FVSBank for Your HELOC?
🏡 Local Lending Experts – Personalized service from lenders who know your community.
📉 Competitive Rates – Save with lower interest compared to other borrowing options.
🔄 Easy Access to Funds – Withdraw funds via online banking, checks, or in-branch.
💙 Community-Focused Banking – We care about helping you achieve your financial goals.