Home Equity Line of Credit

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UNLOCK THE POWER OF YOUR HOME

Open a line of credit using the equity you’ve already built up in your home and then use those funds to make home improvements, take a family vacation, consolidate debt or more.  You pick the need and we’ll help fund it!

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Borrow against the equity you've built up in your home

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Competitive rates and flexible terms

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Convenient online application

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No closing costs on loans of $100,000 or less

Up to your credit limit. Approval and rates based on credit worthiness. Rates stated as Annual Percentage Rates (APRs). Cost of appraisal is refunded at close of loan. Stated APR based on a credit score of 740 or better and loan amount equal to or less than $100,000. We calculate your variable rate by adding 0.00-3.00% to the Prime Rate published in the “Money Rates” section of The Wall Street Journal every month. The rate will never be more than 18.00%. The line is revolving for the first 10 years with interest only payments; the line is frozen for the second 10 years, accepting monthly payments of 1.5% of the balance or $50, whichever is greater. If not paid off at the end of the term, a balloon payment may be required. Eligible properties must be in Georgia and include single family detached and attached units, Planned Unit Developments (PUD) and condominiums. Qualified homes must be owner-occupied and the principal residence of the borrower. Investment properties, vacant lots, purchase money seconds, and manufactured homes are not eligible. Rates are subject to change without notice. Other rates, terms and loan programs available. Excel Federal Credit Union membership is required.
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Apply Online

Found a loan that looks right for you? Let’s get started!