In observance of Thanksgiving Day, Vantage West Credit Union will be closed on Thursday and Friday, November 28th and 29th.
Branch Transformations: Our Magee & Wilmot branches are now open Monday – Friday during their remodels.
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If you’ve built up your home’s equity, you can borrow money using your home as collateral. Home equity loans serve as a powerful tool to provide you with extra funds to make home improvements or pay for other major purchases that you might not otherwise be able to afford.
A Home Equity Line of Credit (HELOC) lets homeowners leverage the equity in their home, up to 90% for qualified borrowers. It’s a great way to fund your home improvement projects, consolidate debt, pay for educational expenses, or any other need.
For example, if your home is worth $400,000 and has a remaining $100,000 mortgage, there is $300,000 in built-up equity. A HELOC can provide access to funds up to $270,000 (90% x $300,000).
With a generous 10-year draw period and the choice of a 10 or 20-year payback period, a Vantage West HELOC empowers you to leverage your home’s equity on your terms.
Annual Percentage Rate (APR)
7.75% – 10.25% VRL1
A home equity line of credit from $10,000 to $650,000 for a primary residence or second home. Draw from the account for 10 years with a 10 year payback period.
Take more time to pay your credit off with a 20 year payback period. You’ll still have the same 10 years to draw from the line of credit. Get a line of credit between $10,000 and $650,000 for your primary residence or second home.
Online Banking If you are logging in for the first time (or if it has been 6 months since your last log in), use temporary credentials in the box to the right. Once in, you’ll be prompted to set up new credentials.