As colorful autumn leaves begin to fall, they signal that the most wonderful time of the year is fast approaching. From the Thanksgiving feasts to the magic of Christmas and New Year’s Eve, the upcoming holiday season brings a significant increase in expenses. Falling leaves aren’t just a sign of the changing seasons, but also a prelude to our limited-time Home Equity Line of Credit (HELOC) promotion, a flexible solution for managing these seasonal financial demands.

Currently, our great promotional offer on HELOCs makes an excellent gifting resource, covering everything from big-ticket purchases to numerous smaller presents without depleting your savings. Beyond gifts, it can cover holiday travel costs such as booking flights and accommodations for family visits, fueling a family road trip, or even financing a special holiday getaway. You might also use a HELOC to cover the costs of hosting holiday parties, funding elaborate Thanksgiving meals and entertainment, or even making home improvements to accommodate guests comfortably.

Besides the holidays, let the equity you’ve built in your home help you achieve whatever you want:

• Buy furniture and/or appliances
• Pay for kids’ education
• Consolidate debt
• Remodel, repair, upgrade your home
• Finance a wedding
• Purchase anything else you need or want

There is no better time to take advantage of our limited-time Home Equity Line of Credit promotion, now through October 31. Borrow a minimum of $5,000 and receive an introductory 6.25% APR (Prime -1%) for the first 12 months, and as low as 7.50% APR after the first year. No closing costs and no processing fees make our HELOC a financially prudent choice.

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.

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