Home Equity Lines of Credit

Take advantage of the equity in your home!

If you’re a homeowner in need of some cash, a Home Equity Line of Credit (HELOC) may be the solution for you! At Viriva Community Credit Union, homeowners can take advantage of the equity in their home to get the cash they need and enjoy a low variable rate for the term of the loan.

Apply for a HELOC today and make your home work for you.



Program features include:

  • Competitive rates and terms up to twelve years
  • 80%-90% loan-to-value (LTV) financing*
  • Instant decisions when you APPLY ONLINE.
  • 7-year draw period
  • Credit Lines up to $75,000*

Once you are approved, accessing Your HELOC is as easy as writing a check or transferring the funds into your credit union account. Simply make an advances on your HELOC, when you need it, by either calling our PHONE CENTER, visiting a Viriva Community Credit Union  branch in person, or make transfers through our CU TALK Telephone Banking or IT’S ME 247 Online Banking service.

DOWNLOAD an informative booklet, published by The Federal Reserve Board, to learn what you should know about Home Equity Lines of Credit.



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

LEARN MORE about the Viriva Community Credit Union difference!


*For qualified borrowers.

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