Our most popular home equity loan - Now with the power of Prime Minus One!

Our flexible Home Equity Line-of-Credit (HELOC) loan lets you draw funds from the equity in your home when you need it and for almost any purpose. Reduce your debt, make home improvements, pay for education, purchase your next vehicle, and more!

This loan is the choice for members who like having the flexibility, versatility, and tax deductibility that a line-of-credit provides.

• A variable rate second mortgage based on the Prime Rate...Minus One!
• Primary Residence Only
• "No Closing Costs" if the initial advance is $10,000 or more and the balance is maintained for at least 12 months. (Otherwise, closing costs could range from $50.00 to $450.00)
• The interest you pay may be tax deductible
• Available for property located in NC, SC, and VA only
• We have rates for both 80% and 90% combined loan-to-value.

All loans granted using either a condominium as security, or a loan amount over $250,000, require an appraisal (i.e., we will be unable to use tax value computation).

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Or call our 24-Hour Lending Center at 1-877-APPLY24.