Limited-Time Home Equity Line of Credit Promotion
- Introductory 6.25% APR (Prime-1%) for the first 12 months
- As low as 7.50% APR after the first year
- Minimum Loan amount of $5,000
- No Closing Costs!
- No Processing Fees!
- Hurry, Offer Ends October 31, 2025!
Have questions about a Home Equity Line of Credit? Reach out Today!
Membership eligibility required with a minimum deposit of $5.00 in a Share/Savings account. Member must be in good standing with VLFCU, not eligible on refinance of current VLFCU mortgage loans. All loans are subject to credit approval. First or second lien, 1-4 family, owner-occupied, primary residence properties only. APR = Annual Percentage Rate. 6.25% is a promotional rate good for only 12 months after the closing date. After the first 12 months, this APR is a variable rate with a minimum 7.50% APR to maximum 18.00% APR. Actual APR will depend on borrower’s credit qualifications, term of the loan, and loan-to-value amount. Variable APR based on the current Wall Street Journal Prime rate plus a margin of up to 2.50% for 90% loan-to-value HELOCs (7.50% as of 9/18/2025). $50.00 Annual Fee. If the line of credit is closed within 36 months, fees may apply. Property and, if applicable, flood insurance are required. Minimum line amount $5,000.00; maximum line amount $100,000.00; initial draw must be at least $5,000.00. Consult a tax advisor regarding the deductibility of interest. Offer is available from September 15, 2025 – October 31, 2025. Programs, rates and terms are subject to change or cancellation without notice.
NMLS ID: 556003
