Home Equity Line of Credit

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Put your home's equity to work.

This revolving home equity line of credit (HELOC) is designed with you in mind. Use your home as collateral for home repairs or upgrades, to consolidate your debt and more.

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Enjoy these convenient features & benefits:

Competitive,
Variable Interest Rates

No Prepayment
Penalties

No Draw
Fee

Rates

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25 Year Term
As low as
5.00% APR1
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Applying for a Loan is Easy

Online

Our online loan application is easy, secure and available 24/7.

Apply Now

Over the Phone

Call us 24/7 to apply at your convenience.

(877) 549-4567

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In Branch

Visit any of our 10 locations during business hours.

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Loan Protection Gives You Peace of Mind

Loan Protection Gives You Peace of Mind Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with
Debt Protection.2

Ask to add Debt Protection at any
Valley First branch.

TruStage Insurance

Save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2

Learn More

ADT Home Security

Valley First members get an exclusive offer on NEW ADT service.

The plan includes an ADT monitored home security system3, plus:

  • $850 in FREE security equipment
  • Smoke communicator
  • $100 Love My Credit Union Rewards Visa® Gift Card

3Learn More

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Requirements 

Minimum loan amount is $10,000, maximum of $250,000. Property insurance is required.

To get a Home Equity Line of Credit, you must be a member of the credit union.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APR = Annual Percentage Rate. All loans subject to credit approval. Rates, terms and conditions subject to change. The minimum APR is 4.00%. The maximum APR is 15.00%. The APR is variable, based on an index and margin. Maximum rate adjustment is 3% each adjustment period. Variable rate is based on the highest commercial prime rate correctly published daily in the Wall Street Journal, Western Edition (the "index"), plus 0.00% to 2.00% depending on primary wage earners FICO score (the "margin"). You may pay certain fees ranging from $300 to $1500 to third parties to open a line of credit. $75 over-the-limit fee. Appraisal fee and Title fee may be required. Please see Schedule of Fees for a full list of potentially applicable fees. Qualification based on credit history, debt, loan-to-value, and the ability to repay. Property insurance required. Minimum loan amount is $10,000. Maximum loan amount is $250,000. $100 minimum draw. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment term. Primary Residence: 80% Maximum Combined Loan-To-Value (CLTV). Investment Property: 70% Maximum Combined Loan-To-Value (CLTV). Other restrictions may apply.
2Restrictions Apply. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. These products are not insured by the National Credit Union Administration. 

3Restrictions apply. Terms and conditions subject to change. Click on the link for more information.