A HELOC CAN DO IT ALL!

A HELOC (Home Equity Line of Credit) lets you borrow against the equity in your home – allowing you flexible withdrawals and repayments.

Many people associate a home equity line of credit with home improvement projects, which makes sense because "home" is in the name, right? But the beauty of a HELOC from Vermont Federal is that you can use that money for just about anything you want or need.

You can use your line of credit for home renovations, education costs, large purchases (that new boat you've been dreaming about), and even wedding expenses!

With our current 3.99% APR* introductory offer for 12 months (non-promotional rate as low as 7% APR*), there is no better time than now to explore all of the possibilities.

Apply Online Request More Info

Or speak with a fellow Vermonter: (802) 923-1250

*APR = Annual Percentage Rate. The APR of 3.99% is quoted “as low as” and is subject to an evaluation of your credit. Rates may vary from those listed above. All rates quoted are subject to change monthly. Promotional rate is fixed for 12 months from the closing date on the loan. After 12 months, the non-promotional rate is tied to the variable Prime Lending Rate as published in the Wall Street Journal and is as low as Prime Rate minus 0.50% with a floor of 3.50% APR. As of 12/19/24, the Prime Lending Rate is 7.50% APR. Maximum APR is 18.00% at a maximum of 80% loan to value (LTV) of the tax assessed or appraised value. Closing costs range from $219 to $1,500 depending on the need for an appraisal. Additionally, members may be required to pay for title examination. Promotional rate is valid on all new home equity lines of credit ONLY. Existing lines of credit are not eligible for the promotional rate. Primary residence only. Collateral property must be located in the state of Vermont. Minimum credit line is $15,000. Property insurance is required. All loans are subject to credit approval. Must be a member of the Credit Union to obtain a loan. $5 Share Deposit required for Credit Union membership. Additional restrictions may apply. Promotion subject to change or end at any time without notice. Other rates and terms are available. Vermont Federal Credit Union is an Equal Housing Lender.