HELOC Promotion

Take advantage of our limited-time Home Equity Line of Credit rate.

Enjoy a low 5.75% APR (Prime-1%) for the first 12 months, and as low as 7.00% APR after the first year.

  • 🚫 Existing VLFCU HELOCs do not qualify.
  • 💰 Minimum loan amount of $5,000.
  • 💸 Maximum loan amount of $99,999.
  • 💵 No Closing Costs**
  • 💲 No Processing Fees
Apply Online

Hurry, offer ends September 30, 2026!

Have questions about a Home Equity Line of Credit? Reach out today!

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Promotional Terms and Disclaimers

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 8/4/2026). $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 August 15, 2026 – September 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.