70 years ago, we made a promise to support our community to the best of our ability regardless of what was going on in the world. Since then, we’ve been grateful and honored to serve East Tennessee. We know the importance of banding together in uncertain times, which is why we’re offering our Home Equity Line of Credit at a special discounted introductory rate.
Our HELOCK allows you to unlock the equity in your home. Take advantage of flexible financing, a low introductory rate and the option to lock in a fixed rate for up to 10 years! Get the cash you need to get by, pay off debt, or just set aside extra money so that you can sleep better at night. Let us help you ensure your financial future by unlocking the equity in your home.
Whatever life throws your way, be ready. You take care of your home; now, let it take care of you. Rest easy knowing that you’ve got a reliable source of cash available when you need it with our handy HELOCK and together, we’ll see our way through.
Initial 6-Month Introductory Rate
Rate After Initial 6-Months
3.99% to 9.50% APR
And in honor of our 70th Anniversary, we're throwing in a $70 VISA gift card!
We also offer an Interest Only Home Equity Line of Credit option that may be just what you need to have more cash in your wallet at the end of the month.
There are a lot of great reasons to choose a Home Equity Line of Credit from Y-12 FCU!
Borrow What You Need, When You Need It
Low Closing Costs
No Prepayment Penalties
Easy Access To Funds
Borrow Up To 100% Of Your Home’s Value
*Minimum loan amount $5,000. 1.99% Annual Percentage Rate is introductory rate. After the six-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. $70 VISA gift card is a limited time offer. Equal Housing Lender.