Unlock Your Home's Equity With a HELOC from America's Credit Union

An ACU Home Equity Line of Credit (HELOC) is both fast and serviced locally, offering a remarkably low interest rate with a Loan-to-Value ratio of up to 90%.



What is a HELOC?

If you’re a homeowner looking to access some of the equity you’ve built up in your property, a HELOC may be just what you need. A Home Equity Line of Credit (HELOC) is a revolving line of credit that’s secured by your home. You can use it to fund home improvements, pay for unexpected expenses, or even consolidate high-interest debt.

HELOCs are a popular and great financing option due to their flexibility, low interest rates, and potential tax benefits.*


ACU HELOC Benefits

At America’s Credit Union, we’re here to help guide you through the process of finding the right HELOC for your unique needs and situation. Enjoy these benefits with ACU’s Home Equity Line of Credit:

Platinum Rewards Visa Credit Cards

Flexible Borrowing

10-year draw and 20-year repayment plan with steady 1% monthly payments

Platinum Rewards Visa Credit Cards

Convenient Terms

Borrow and repay funds as needed, giving you financial flexibility in managing your finances

Platinum Rewards Visa Credit Cards

Easy Access to Funds

Access your HELOC funds effortlessly through branches, transfers, online banking, or cashier’s checks


See Our Low HELOC Rates with Your Own Eyes

With our low HELOC rates, more money stays in your pocket so that you can use it for that major home project or a dream family vacation. Click on the button below to view our HELOC rates.

View Rates


Applying for a Home Equity Line Of Credit Is Simple!



Apply Online

Our online application is quick and easy. To get started, simply fill in your information and complete the submission process.



Speak to Our Equity Specialists

We’ll verify your details and let you know how much you qualify for a Home Equity Line of Credit.



Unlock Your Equity

Access your approved funds and start using them for your financial needs!


Get Started


“Banking with them for 5 years absolutely no issues and great customer service!”

-Christian P.

Common Questions About Home Equity Lines of Credit (HELOCs)

What is home equity?

Home equity refers to the portion of your home’s value that you own outright, minus any outstanding mortgage or liens on the property.

For example, if your home is appraised at $300,000, and you owe $200,000 on your mortgage, your home equity would be $100,000. The equity of your home can fluctuate over time based on the payments made and the property value over time.

How is a HELOC different from a Home Equity Loan?

While both use the equity in your home, a HELOC is a revolving line of credit with variable interest rates, while a Home Equity Loan provides a lump sum with fixed interest rates. With a HELOC, you can borrow and repay funds as needed, whereas a Home Equity Loan provides a one-time payout.

Can I use my HELOC fund for any purpose?

Certainly, you can access your equity and use the funds for various purposes, including:

  • Home repair and improvement projects
  • Major purchases, including a boat, car, or second home
  • Family events, like vacations or weddings
  • Debt consolidation to pay off high-interest credit cards
  • Tuition and educational expenses
  • Medical bills and healthcare costs
  • Covering unexpected expenses or emergencies

However, it’s crucial to use and manage your HELOC responsibly and within your means to make the most of this financial resource.

When is a home equity line of credit a good option?

A home equity line of credit is a good option if you don’t know how much you need and want flexibility in your borrowing amount. Additionally, HELOCs are often employed for debt consolidation, as they offer lower interest rates compared to many credit cards.

Before you apply, you want to carefully consider your financial picture and make plans for how you will use the money. It’s essential to use HELOCs wisely, as they are secured by your home, and missed payments can result in the risk of losing your property.

What will my interest rate be?

Your interest rate for a HELOC depends on several factors, including your credit score, the current market conditions, and the terms of your HELOC. While some lenders may offer demanding terms, ACU is committed to providing you with fair and reasonable rates.

CLICK HERE to view our current rates and loan terms.

What are the borrowing limits for a HELOC?

For owner-occupied homes, you can typically borrow up to 90% of your home’s value with our HELOC.

Are there any fees associated with a HELOC?

Yes, here are the fees involved with our HELOC:

  • Appraisal – May be ordered if requested by borrower. Appraisal cost ($775-$1,000) will be paid by the borrower.
  • Processing Fee – A $500 processing fee may be applied to loans with a combined Loan to Value (LTV) greater than 80%.

How can I apply for a HELOC?

Our team of dedicated professionals is here to assist you throughout the application and approval process. Getting started is easy:

We’re here to make your application process smooth and hassle-free. Choose the method that works best for you, and we’ll be ready to assist you every step of the way!


More Ways ACU Can Help With Your Financing

America’s Credit Union offers our members a great range of products and services. Find out more about some of our other lending options:

Personal Loan

Borrow to pay for whatever you want, whether it’s to cover the cost of an unforeseen expense, a big event, or to turn a dream into reality.

Learn More

Auto Loans

Our Auto Loans offer competitive rates and flexible terms, making it easy for you to hit the road in your dream car.

Learn More

Credit Cards

With low interest rates and no fees (plus some cards that offer cash back), an ACU credit card may be the perfect solution for your credit needs.

Learn More

*Consult your tax advisor.

**Annual Percentage Rates, terms, and conditions offered are subject to change without notice. Limited to one to four family units. Property must be in the state of Washington, Oregon or Idaho. Property insurance required. Values based on automated value appraisal. ACU will pay the closing costs on new Equity Loan applications (Fixed-Rate Equity Loans and Home Equity Lines of Credit), including, but not limited to, flood determination fee, title search, credit report, property condition report, and recording fees. Should the loan be paid off and closed within 36 months from the anniversary date of the loan closing, the member is responsible to reimburse the full amount of the ACU paid closing costs for the loan. APR = Annual Percentage Rate. Subject to credit and DTI approval. All offers, rates, terms and conditions are subject to change at any time and without notice. Consult your tax advisor.