Got Equity? Get HELOCK!

Y-12 FCU's HELOCK Is Sure To Meet Your Needs

Don’t choose between a home equity line of credit or a home equity loan when you can have both at Y-12 Federal Credit Union. Our HELOCK starts as a line of credit that is always there when you need it. It doesn’t stop there. You can also lock in a fixed rate at any time for terms up to 10 years.

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Ditch Debt


Consolidate and clear out debt quickly with our HELOCK and rest easy knowing your home is working for your future. Tap into the funding you need at a great rate, streamline your monthly payments and finally get rid of high-interest credit cards. Ditch debt, worry less, do more.

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Find A New Ride


Don’t tap into your cash savings! Whether you plan to upgrade, downsize or finally get behind the wheel of your dream car, our HELOCK can get you on the road at an incredible interest rate that you can LOCK in at any time for terms up to 10 years.

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Take A Dream Vacation


See the world. Take the family to Disney. Visit faraway friends and family. Get the cash you need to take the vacation you’ve always wanted. Whatever destination is calling your name, our Home Equity Line of Credit will make your dream getaway a reality.

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Tackle Renovations


Make your home work for you. Upgrade your lifestyle and boost the market value of your home by using our HELOCK to make your next project possible. Borrow what you need, when you need it with easy access to the cash you need for repairs and remodeling.

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

There are a lot of great reasons to choose Y-12 FCU's HELOCK

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.

For more information about HELOCK, call us at (865) 482-1043 or visit your local branch.

*APR is Annual Percentage Rate. Minimum loan amount $10,000. 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 margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. Any loan fee that is a percentage of the credit limit and an estimate of any other fees to open the plan, stated as a single dollar amount or reasonable range. Consult a tax advisor regarding deductibility of interest and fees. Low closing costs for new HELOCKs only. Closing costs range between $300-$3,800. The discount will be disclosed as POC (paid outside of closing) on the Home Equity Addendum. Equal Housing Lender.

Equal Housing Lender Y-12 FCU
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