Branches will be CLOSED Saturday, July 4th to observe Independence Day.
Achieva offers quick and convenient funding to help members achieve their financial goals by providing a source of funds for home improvements, debt consolidation, unexpected expenses and more. Our special offer of NO CLOSING COSTS* makes it even easier and more affordable to access the funds when you need them.
Roll up the costs of multiple renovations into one loan.
Cover your child care costs or any back-to-school expenses for yourself or your kids.
Pay off those high-interest debts and wrap up your bills into one easy, low-interest payment.
Life happens. When you’re faced with unexpected bills or ongoing illness, your home’s equity can give you extra support.
Home Equity Lines of Credit (HELOCs) and Home Equity Loans are both based on a borrower’s equity in their home.
We can help you determine the best solution for your needs.
Home Equity Line of Credit (HELOC)1
Whether you're considering a major home remodeling project or just want peace of mind in an emergency, a home equity line of credit (HELOC) may work for you.
HELOC benefits include:
Home Equity Loan (HE-Loan)2
Move multiple debts into one, and save money on interest! Known typically as a second mortgage, a home equity loan (HE-Loan) can simplify the way you pay your bills.
HE-LOAN benefits include:
*Achieva Credit Union will pay closing costs on our fixed or variable-rate home equity product loans on primary residences. If an appraisal is required, the member pays the fee upfront but will receive a credit at closing. Member will not be reimbursed if the loan does not close. You must be a member of Achieva Credit Union or meet membership eligibility requirements. Other restrictions apply. This offer cannot be combined with any other offers, is subject to change and may be canceled at any time.
1APR=Annual Percentage Rate. The variable APR for a Home Equity Line of Credit is the lowest available and is the introductory APR for the first 6 months. 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 0.00 to 1.75% 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 5.00% and can never increase more than 6% over your qualified APR (maximum 18%). Interest rate adjustments may result in an increase in your payment amount and loan term. Property insurance is required. Minimum loan amount is $10,000.
2APR=Annual Percentage Rate. As of 6/23/2026, rates on a 15-year, second position home equity loan of $50,000 are as low as 6.649% APR with a loan-to-value (LTV) ratio of 70% or less. Rates vary, are subject to change and are based on an evaluation of various factors which will be disclosed to you at final approval. Average closing costs for loan amounts of up to $50,000, range from $1360 to $3630. On a 15-year loan of $50,000 at 6.649% APR, the estimated monthly payment would be $432.13. Payment amount does not include taxes and insurance premiums; the actual payment obligation will be greater. Contact your tax advisor for tax implications. Property insurance is required. Minimum loan amount is $10,000. Other restrictions may apply. NMLS #402501.
