Special HELOC Offer: No Closing Costs*
With a Home Equity Line of Credit (HELOC), you could enjoy convenient access, automatic payments, and no closing costs!*
Tap into a big, flexible source of funds.
Set up automatic payments.
Enjoy no closing costs.
Apply now for a HELOC and pay no closing costs if you qualify by meeting offer requirements. Here are four great reasons you’ll love your new HELOC:
-
Up to 100% Loan to Value (LTV)
Your home has huge value, and that means potential for a huge line of credit! Click here to calculate how big your Any Purpose HELOC could be! -
Ten-year draw period
For the next ten years, you could use your HELOC again and again for any purpose, from debt consolidation to home improvement to medical expenses, travel, college, and more! -
24/7 access – like a credit card, only with better rates!
Our competitive HELOC rates (tied to Prime -0.25% APR) make for budgetable payments, and you can conveniently access funds from your HELOC via digital banking, Contact Center, ATMs, or your local branch. -
No closing costs!
— Offer Requirements —
Automatic Payments
Set up automatic payments to your new HELOC.
Minimum Advance
Make an initial HELOC advance of $25,000 or more in new money.
If you meet the minimal requirements above, you could enjoy your new line of credit for an awesome 10-year draw period – with huge savings from NO CLOSING COSTS! Why wait? Apply today!
Questions? Call our Contact Center at 800.242.2120 or visit your local branch.
— Maximize Your Convenience —
Your HELOC can be even more convenient with direct deposit and digital banking!
By setting up direct deposit to your Visions account and pulling your automated payment from that share, your HELOC payments could be even easier to monitor and manage. Plus, you’ll be able to access your direct deposit income and funds from your HELOC – all at the same financial institution!
Be sure to enroll in digital banking, too! It’s convenient not only for HELOC advances and payments, but for all kinds of money management.
To help monitor your HELOC, credit, and account activity, check out even more great digital banking features like eStatements, Notices, Credit Score, and Alerts. Click a link below to learn more about our convenient services.
Learn more:
Get started by becoming a member today.
Already a member? Stop by your local office, call 800.242.2120, or submit an online loan application.
The Fine Print
*APR = Annual Percentage Rate. Rate and terms are available on new home equity lines only. Credit union membership required with a $1 minimum deposit; restrictions apply, ask for details or visit visionsfcu.org/join. Property must be owner-occupied. Maximum line amount is $500,000 with a CLTV up to 80% of appraised value minus a first mortgage. Maximum line amount is $250,000 for lines with a CLTV of 80.01%-100% of appraised value minus a first mortgage. APR is Prime -.25% with a minimum rate of 3.00% and a maximum rate of 15.80% APR. As of 3/17/25, the rate was 7.25% APR; visit visionsfcu.org/rates for current rate information. The following conditions must be met to waive closing costs: automatic payment on the new line and a minimum of $25,000 in new money advanced at closing. Estimated savings of closing costs, which varies by geographic market and property, generally total between $625 and $4875, including, but not limited to, the following costs: Automated Valuation Method (AVM), flood determination, credit report, lender attorney fees, recording fee, title insurance, mortgage tax, and title insurance (if applicable). Borrowers may be responsible for appraisal cost, if applicable. Property insurance is required. Flood insurance may be required. Borrower(s) will need to reimburse the credit union the full value of the closing costs resulting from the loan origination if the line is paid off and closed within 36 months of opening. Offer subject to change or expire without notice. Applications must be submitted no later than 6/30/25. Equal Housing Lender. Federally insured by NCUA.
