Unlocking More of Your Home’s Value With Our Enhanced HELOC Offerings
NMLS # 774623
At NGFCU we believe in empowering our members with the right financial tools and guidance. A Home Equity Line of Credit (HELOC) is one such tool, offering a revolving credit line that allows you to borrow against your home's equity, putting you in control of your funds. Consider us your trusted advisor, here to help you understand and utilize this powerful resource.
Whether you're envisioning a refreshed living space through home improvements or gaining greater financial control with debt consolidation, our HELOC provides the flexibility and competitive rates you need to take action. We’re here to offer our expertise every step of the way.
Check Out the Enhanced HELOC Features
5.99% Intro APR¹
Locked in for your first 6 months (as low as 6.75% APR after the introductory period), plus receive a $950 credit toward closing costs.²
Competitive Rates & Flexible Payment Options
Choose payment options to fit your financial strategy of either interest only or principal and interest. There’s the added ability to lock up to 60% of your approved HELOC limit with a fixed rate.
Access up to $500,000
Access up to $500,000 with no annual maintenance fees – giving you the freedom to fund major expenses with ease.
Leverage up to 90% of your CLTV
Leverage up to 90% of your CLTV, available in all U.S. states and territories (excluding Texas).
Let our experts guide you in leveraging your home's equity effectively.
Your Home, Your Equity, Your Trusted Advisor.
CLTV = Combined Loan To Value.
1 APR = Annual Percentage Rate. Introductory rate is effective for the first six statement periods. At the end of the sixth statement period, the rate will change to the current fully indexed rate. 5.99% applies to accounts from account opening to the end of the period as described above. The APR is a variable rate. Your actual rate may adjust monthly based on the Prime Rate as published in the Wall Street Journal.The APR is from 6.75% to a maximum of 18.00%.
2 The Credit Union will pay all closing costs up to $950. Amounts exceeding $950 are the responsibility of the borrower. Any closing costs paid by the Credit Union must be repaid if the loan is paid in full within 24 months of loan closing.
All loan terms are subject to change without notice and based on credit approval. For variable rate loans, the rate may increase after consummation. No cash out refinances in Texas.
