Have you been thinking of renovating your home, paying down high-interest debt, or going back to school? If so, a Home Equity Line of Credit, or HELOC, could be just the right tool for the job. HELOCs use the equity in your home to give you a set amount of money you can draw from, and an interest-only payment option is available upon qualification.

Interested? Talk to a loan officer today at (423) 875-6955, message us for more details, or visit your closest branch.


About Our HELOC*

  • Revolving line of credit with no interest paid until the funds are accessed
  • Borrow up to $250,000 ($15,000 minimum line)
  • No closing cost option
  • 5-year draw period, with a 15-year repayment term
  • Flexible repayment options and competitive, discounted rates for qualified members
  • Loan-to-value up to 90% of your home's appraised value
  • Easy access to funds - talk to your loan officer about access options
  • No annual fee, no application fee, and no prepayment penalty
  • Quick, local decisions and closings
  • Rates change only four times per year
  • Interest may be tax-deductible**
Talk to a loan officer about our HELOC today by calling (423) 875-6955, apply at your closest branch, or talk to a GreenPath financial counselor(Opens in a new Window) to see if a HELOC would be right for you.

*Restrictions apply.  Rate and terms based on credit score and subject to change. Maximum APR not to exceed 18% or maximum allowed by law. Total loan-to-value not to exceed 90% of the subject property’s appraised value. See a loan officer for full details.
**Consult a tax advisor.

Nationwide Mortgage Licensing System Registered Employees:

Position Name Individual ID #
Loan Officer Mickens, Shirley 941661
Loan Officer Hodges, Michelle 713097
Loan Officer Moates, Gayle 713094
Loan Officer Dray, Kristin 1423298
CLO Selcer, Rodney 593712
CEO Foster, Kendall 713096

All loan rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of the member's credit, and term selected. Actual rates could vary. Ask the credit union for the rate for which you qualify.