Home Equity Line of Credit

heloc

There’s always room for improvement with NGFCU
Use the equity in your house to get unlimited access to funds for future home upgrades or all your big ideas with our low rate SmartMove Home Equity Line of Credit (HELOC).

Save big with rates as low as 3.25% APR*
With an adjustable rate as low as 3.25% APR* and a fixed rate as low as 4.75% APR† it's easy and affordable to get the funds you need, whenever you need them.

Whatever you need, anytime you need it
Whether you want to help your bathroom escape the 1950's or you want to help your child have the wedding of a lifetime, our great low rates can help you make it happen with savings.

Get started and learn more today
Qualifying properties include owner-occupied, 1 to 4 units in Arizona, California, Colorado, Delaware, Florida, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Utah, Virginia, Washington, Washington, D.C., and West Virginia.

Call 800.633.2848 or click to apply online below.

Apply Online
* APR = Annual Percentage Rate. As of 4/5/2020, this interest rate is 3.25% variable, and is subject to change monthly. The APR is based on the average of the 11th District Cost of Funds and US Treasury Securities adjusted to a constant maturity of 1 year, rounded to the nearest .25% with an added margin of 2.75%. Your variable rate has a maximum rate increase cap of 3 percentage points per year and 6 percentage points for the life of the loan. Maximum CLTV is 70%.
† APR = Annual Percentage Rate. Fixed rate is effective as of 4/5/2020, and is subject to change without notice. Up to 60% of approved line is eligible for the fixed rate option. Fixed advances must have a maturity date on or before the maturity date of the master HELOC. Maximum CLTV is 70%.