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Home equity line of credit

Home equity line of credit

Contact us


727.431.7690

Email

727.431.7690

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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.

Our benefits include:

  • Achieva pays your closing costs2
  • Funds available when you need it
  • No monthly, annual or transaction fees
  • Payment only due with outstanding balance
  • No PMI insurance required
  • Promotional rate as low as 4.5%APR*1

*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 01/15/2019, the qualified variable APR at the first adjustment would be 5.75%

To apply for a home equity line of credit, stop by your local branch, call 727.431.7690 or apply below. We value you and your time: In most cases, you’ll get an answer on your application in less than 10 business days.

Access the equity in your home

Home improvements

Pay for education

Rainy day fund

Consolidate high interest debt


1 APR=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 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 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% and can never increase more than 6% over your qualified APR (maximum 18%). As of 1/15/2019, introductory APRs range from 4.5% to 9.625%. Interest rate adjustments may result in an increase in payment amount and term.
2 Closing costs, excluding appraisal and title policy fees, of up to $650.00 will be paid by the Credit Union with an advance of at least $10,000 on the day of disbursement. Typical closing costs based on a loan amount of $50,000 range from $331 to $1551. Achieva offers this benefit up to two times per property. Property insurance is required. Funds may not be used towards an existing Achieva Credit Union obligation. If loan is closed within the first 24 months after opening, all lender paid fees and costs will be added to the payoff amount.
Click for current home equity rate or call 800.593.2274 for more details.