HELOC Rates 


Loan Type Loan Amount APR*
Home Equity Line of Credit1 (Owner-Occupant) $10,000 - $300,000.00 4.625%
Home Equity Line of Credit2 (Investor) $10,000 - $100,000.00 7.00%

*1.00% APR for first 6 months after recordation for new lines of credit only.  After 6 month period, interest rate reverts to the current indexed interest rate. 

These are variable interest rates that will adjust annually on July 1st as per the terms of the Loanliner Credit Agreement. 

The minimum credit advance that you can receive is $5,000.00 for the first advance and $100.00 for each subsequent advance to avoid a transaction fee.

¹Applies to Owner-Occupant properties. Based on a $25,000.00 loan at 1.00% APR with a 15 year repayment term, the monthly payment (principal & interest) would be $150.00. Based on a $25,000.00 loan at 4.625% APR with a 15 year repayment term, the monthly payment (principal & interest) would be $193.00. The variable indexed rate will not exceed 15% APR.  Property insurance (homeowner's, hurricane and flood) may be required. 

²Applies to improved investment properties. Based on a $25,000.00 loan at 7.00% APR with a 12 year repayment term, the monthly payment (principal & interest) would be $258.00. The variable indexed rate will not exceed 15% APR.  Property insurance (homeowner's, hurricane and flood) may be required. 

CURRENT PROMOTION:  If you take a draw of at least $10,000.00 within 2 weeks of closing and keep the line of credit open for at least one (1) year, the credit union will waive normal closing costs for certain third party fees, such as real estate evaluation, recordation, documentation, ordinary title search, credit report, flood determination, and notary fee, which are estimated at $600.00 to $2,000.00.  You will be required to pay extraordinary third party costs, such as extraordinary title searches, appraisals and other legal documentation, estimated at $250.00 to $2,000.00.  Promotion is subject to change without prior notice.