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Heck Yeah HELOC Logo and text image

Borrow at rates below Prime.

Currently as low as 7.50% APR



You worked hard for your home. Now let your home work for you. A HELOC is a smart way to use the power of your home equity to do just that. With Verve’s special offer and approval to close in as soon as two weeks, there’s no better time to get started.

*APR = Annual Percentage Rate. APR is a variable rate calculated by using the U.S. Prime Rate (Index) published in The Wall Street Journal, minus 1% interest rate (Margin). APR of Prime Rate minus 1% is available for home equity lines of credit with up to an 80% Loan to Value and qualifying credit score. During this offer, interest rate (Margin) reductions are available for home equity lines of credit with up to a 100% Loan to Value. Loan rates are subject to credit score, collateral, account relationships, and approval. Terms and conditions apply. Offer of reduced rate and reduced closing costs valid to new applications submitted between May 6, 2024, and June 30, 2024. Offer subject to change without notice. Membership eligibility required. Federally insured by NCUA. Equal Housing Opportunity.

If You Can Imagine It, You Can Do It.

  • Home Renovations
  • Education Expenses
  • Medical Expenses
  • New Car or Boat
  • Life Adventures (wedding plans, vacations, etc.)

Home Equity Line of Credit Benefits

Your home’s equity–the difference between how much you owe on your current mortgage and the current value of your home–can qualify you for a Home Equity Line of Credit (HELOC). There are so many advantages!

Flexibility: Spending power any time you need it–only repay what you use.

Access: Access your money with a transfer to your account or a withdrawal at a branch.

Lower interest rate and fees: Closing costs are typically lower than a cash-out refinance.

Fast turnaround: Apply online in minutes and most funding occurs in as little as two weeks.

Should I choose a HELOC or a Home Equity Loan?

Now that you know your home can help you achieve big things, the question is which type of loan is best for you.

With a Home Equity Line of Credit (HELOC), withdraw approved dollars whenever you need them and only repay what you use at a variable interest rate. Perfect when you need cash now or want to wait to access some of the funds later. At Verve, a Credit Union, you can access your home equity line of credit easily online or by visiting a branch.

A Home Equity Loan is a great option if you prefer a lump sum you start repaying immediately. This occurs by monthly payment at a fixed interest rate over a fixed time.

Either option puts your home’s equity to work for you.

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