Limited-Time Home Equity Line of Credit Promotion
- Introductory 5.75% APR (Prime-1%) for the first 12 months
- As low as 7.00% APR after the first year
- Minimum Loan amount of $5,000
- Maximum Loan amount of $99,999
- No Closing Costs!
- No Processing Fees!
- Hurry, Offer Ends April 30, 2026!
Have questions about a Home Equity Line of Credit? Reach out Today!
Membership eligibility required with a minimum deposit of $5.00 in a 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. 5.75% 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 4.00% 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 (6.75% as of 2/10/2026). $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 $99,999.00; initial draw must be at least $5,000.00. Consult a tax advisor regarding the deductibility of interest. Offer is available from March 16, 2026 – April 30, 2026. Programs, rates and terms are subject to change or cancellation without notice.
NMLS ID: 556003
If you need a HELOC, mortgage, auto loan, personal loan, credit card, checking account, savings account, or a combination of any of our financial products, we are here for you. Contact one of our account specialists in Sandusky, Huron, Norwalk, and Vermilion for assistance. Or, just give us a call today at 800.691.9299.