Home Equity Loans

Discover Your Home’s Hidden Value

Use the equity in your home as an affordable source of financing for any project, purchase, or financial opportunity. Get it all done with a low interest rate from your credit union! Complete home renovations; buy a new vehicle; take a dream vacation; pay for college; consolidate debt; anything you want!

  • Choose between a Fixed Rate or Variable Rate Home Equity Line of Credit
  • Rates as low as 1.99% APR1
  • No processing fees – save up to $4004
  • Receive a $50 bonus gift card5

Choose Your Home Equity Loan Product

Home Equity Loans

However you decide to use your funds, you’ll love the savings and convenience. Payments can be automatically deducted from your account or make payments within It’sMe247 Online Banking. The interest you pay may also be tax deductible. See your tax advisor for details.


Open a savings account with a minimum deposit of just $5.00 to join Viriva! Submit an ONLINE MEMBERSHIP REQUEST now!

LEARN MORE about the Viriva Community Credit Union difference!


1. Annual Percentage Rates (APR) are current as of 09/1/2017 and are for well-qualified borrowers. Your APR may be higher. Approvals based on your credit & our underwriting standards. No additional discounts allowed. Property must be the borrower’s primary residence. Property insurance required. Title insurance may be required. Max LTV 80%. Applications must be received by 10/31/2017 and disbursed by 11/30/2017. Call us at 888-7-VIRIVA for more information. Other restrictions may apply. 2. APR shown is for a 36 month term loan of $5,000 minimum with 80% LTV. 3. 1.99% APR applies for 6 months for new LOCs with a draw of at least $5,000 at closing or refis of current Viriva LOCs with an additional $20,000 draw. After 6 months, any remaining balance and new draws subject to a standard variable APR calculated by adding a Margin (interest percentage) to the highest Prime Rate (the Index) as published in The Wall Street Journal one month prior to the 1st day of each calendar quarter. Floor rate is 3.50% APR. 4. Loan Processing Fee up to $400 max waived for approved loans of $20,000 or more in new money. 5. $50 Gift Card provided for qualifying loans upon disbursement by 11/31/2017.