Let the equity in your
home work for you.

Promotional rates as low as 3.25% APR*
No out of pocket expense on lines up to $99,999.**


Let the equity in your
home work for you.

Promo rates as low as 3.25% APR *
No out of pocket expense on lines up to $99,999.**


Home equity line of credit with Achieva Credit Union

A Home Equity Line of Credit (HELOC) gives homeowners the flexibility to tap into the equity established in their homes on an as-needed basis. Best of all, a HELOC can be used to pay for almost anything. Get approved fast for up to $300,000 and a promotional rate as low as 3.25% APR*.

*Promo APR in effect for the first 6 months. Thereafter, the qualified variable APR and monthly payment are subject to adjustment every 6 months based on movement of the index with the fixed margin varying from 0 to +4.75% over the variable index. As of 03/16/2020, the qualified variable APR at the first adjustment would be 3.75%.

Wondering if a home equity line of credit (HELOC) works for you? Review a list of our frequently asked questions for answers.

3 easy ways to apply

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Whether it’s for home improvements, emergency funds or to cover the cost of tuition, a HELOC is a great option for covering any major expense. Get approved fast for a line of credit you can use as and when you need it.

  • Low payments and extended terms
  • Achieva pays your closing costs**
  • Funds available when you need it
  • No monthly, annual or transaction fees
  • Payment only due with outstanding balance
  • No application fee
  • No PMI insurance
  • Promotional rate as low as 3.25% APR*




*APR = Annual Percentage Rate. The promo APR for a Home Equity Line of credit is the lowest available. Your qualified APR for the initial 6 months and beyond is determined by various factors and will be disclosed to you at final approval. At this time the fixed margin may vary from 0 to +4.75% over the variable index (Prime Rate as published in the Wall Street Journal on the 15th day of the prior month). After the initial 6 months, your qualified APR may adjust up or down based on the movement of the index but never more frequently than every 6 months and is limited to a maximum of 1% for each occurrence. The APR will never be lower than 3.75% and can never increase more than 6% over your qualified APR (maximum 18%). Interest rate adjustments may result in an increase in payment amount.
**Average closing costs on funded Home Equity Lines of Credit with Achieva Credit Union over the past 12 months averaged between $360.00 and $820.00. For Home Equity Lines of Credit equal to or greater than $100,000, Achieva Credit Union will contribute up to $650.00 towards closing costs at the time of funding.

Achieva Credit Union 1659 Achieva Way, Dunedin FL 34698

Achieva Credit Union NMLS number 402501.