Need a simple way to access some extra money?

A home equity line of credit from VCCU is a simple way to free up some cash to make life happen. It's a perfect way to pay for that new kitchen you've always wanted, a wedding, or even consolidate high-interest debt.

Easy online tools let you manage your line of credit in seconds. With our low rates and potential tax deduction**, there's never been a better time to put your hard-earned equity to work for you.

  • Low introductory rates
  • Borrow up to 90% of appraised value, up to $350,000
  • Pay only on what you borrow
  • Access your money anytime online

Ready to get started?

Please contact our HELOC Specialist or apply online anytime to get started.

Send an email


**Consult your tax advisor.

*The HELOC has a 15 year draw period and then becomes due and payable over a ten (10) year repayment period. Payments are interest only. The rate is variable and is subject to change quarterly. Variable rate based on Prime Rate Index as published in the Wall Street Journal. This is a Variable Rate loan with an interest rate floor equal to the start rate and a maximum life interest rate cap of 18%. Early repayment fees may apply. Valid for standard Home Equity Line of Credit only; Minimum loan amount is $10,000. Lifetime maximum of 18% APR. Certain restrictions apply.

Rates for these products are determined by the applicant's credit, payment history, income and collateral and subject to change without notice. Loans are subject to credit approval and secured by lien on residential property. You may borrow up to 80% of the appraised value for owner occupied property and 60% for investment property; combined loan to value cannot exceed 80% for owner occupied property and 60% for investment property. Maximum cash out for owner occupied property is $350,000 and investment property $100,000. Offer does not include refinances of existing VCCU loans


  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.