Home Equity Loan & Line of Credit

Your home is an investment. Tap into your equity to make more of it.

With a Home Equity Loan or Line of Credit, you can renovate your home or build a family pool — whatever your goals may be. Use the credit in your home to borrow the amount you need at a low interest rate and start making memories today. Call us at 256-383-9204 or apply now to get started.

PRODUCT FEATURES

1. Convenient Payment Options
   Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
2. No Annual Fee
   And not just for the first year. $0 every year.
3. Low Rates
   Whether you choose the variable rate of a HELOC or the fixed rate of a Home Equity Loan, both are set at the lowest possible market price.
4. Tax Deductible Interest
   Depending on how you use your loan or line of credit, you may be able to deduct its interest. Consult your tax advisor for more information.
5. No App Fees or Closing Costs
   No application fees or closing costs to our members, we’ve got you covered.
6. Borrow What You Need
   HELOCs start with a minimum credit advance of $10,000 with minimum future credit advances of $500 or borrow one lump sum with a Home Equity Loan.
7. Flexible Term & Repayment
   With a 10-year draw period followed by a 10-year repayment period, HELOCs also have a low minimum monthly payment of $15.00 for every $1,000 based on the outstanding balance at the time of your most recent advance.
8. Easy Access To Your Line of Credit
   HELOC checks allow easy access your credit line up to the approved limit.