Affordable loans and lines of credit

When you're ready to remodel, consolidate debt or pay for college, Envision Credit Union offers home equity loans and lines of credit with extremely fast turnaround times. 

Take advantage of our fast and affordable Home Equity Loans and Lines of Credit and make your dreams a reality.

  • Now is the time to save some green with the new HELOC rates as low as 1.90% APR* for the first 12 months! After that, rates as low as 3.99% APR.**
  • Quick turnaround time - Close your home equity loan or line of credit within 15 business days, on average, using our online application and streamlined process
  • Receive up to 90% financing against the value of your home**
  • Save money with no closing costs**

*APR: Annual Percentage Rate. Your rate and credit limit will be determined based on individual creditworthiness. Verification of income may be required. The APR includes interest only available to us as of 5 days before the date of any change to the APR. To determine the APR which will apply to your account, a margin will be added to your current index rate. Most home equity loans qualify for a tax deductible interest. Consult your tax advisor for details.

**Envision Credit Union will advance certain costs on your behalf, including AVM collateral valuation, credit report, flood determination, and title search obtained by Envision Credit Union, on new Home Equity Loans or Lines of Credit of $10,000 or more. Property Insurance is required; an appraisal, flood and or title insurance may be required at an additional expense to the borrower. Total closing costs typically range from $100 to $1,500. Some restrictions may apply. If your account is closed within three (3) years, we will add any closing costs we advance on your behalf to your outstanding balance for our reimbursement. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. On a Line of Credit, a minimum withdrawal amount of $5,000 is required for the first advance and $1,000 thereafter.  In no event will the regular Annual Percentage Rate be less than 3.99% or more than the lesser of 18% per annum or the maximum rate allowed by applicable law. Borrow up to 90% of appraised value (80% MAX LTV for promotional rate) for Home Equity Line of Credit. 1.90% introductory promotional APR available for A+ credit tier (730 or above) for 12 months after the loan is funded. At the beginning of the thirteenth month, your regular rate will go into effect. Minimum monthly payment may change as a result of rate changes. Home Equity and Mortgage products and interest rates are subject to standard underwriting criteria, Loan to Value limitations, lien position, property use and location. Consult your Home Loan Officer for Details. Envision Credit Union reserves the right to change the terms of or discontinue this offer at any time without notice.  Envision Credit Union NMLS# 506298.