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What's a Home Equity Line of Credit (HELOC)?

 

A HELOC works like a flexible credit line secured by your home's equity. A revolving line of credit secured by your home. You choose when to borrow, up to your approved limit, and only pay interest on what you use.

Transform Your Home's Value into Possibilities

Need flexible funding? With our HELOC, access your home's equity when it matters most.

• Rates start at 5.99% APR*
• Receive up to 100% combined loan-to-value financing
• Access funds as needed - withdraw, pay back, and borrow again without a new application process within a 10 year period
• Perfect for ongoing expenses, you can access funds as needed within your credit limit

For more information and to apply contact us at 413-730-4152 or MyHome@PVCU.org.

Home Equity Line of Credit

We make it easy for you! Self-manage on your own terms and access your money at any time—write a check or just transfer your cash to your Checking Account online with no closing costs¹.​

HELOC Calculator

Home Equity Loans

Rates

¹If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf. Property insurance is required and is not included in closing costs. Initial draw from your Line of Credit must be a minimum of $10,000. After initial draw, a $1,000 minimum is required each draw thereafter. Minimum monthly payment is $50. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.

The rate will vary based on the highest prime rate published in the Wall Street Journal with a floor rate of 3.00% APR and a maximum rate of 18% APR. Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. Additional terms and conditions apply. Member responsible for recording fees.

APR*=Annual Percentage Rate