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Dream Big - 2025 - HELOC - Google

Why HFCU?

Convenience

Borrow as often as you like, up to your approved limit. As you pay down the balance, your available credit increases.

Get the security of fixed payments by converting any or all of your line into a fixed-rate advance.

No minimum draw requirements; up to $500,000, maximum LTV of 85%. (Secondary homes do not qualify.)

Flexible and Fast Process

Fix your rate any time without an application. Take any portion of your line, convert it to a fixed-rate advance and choose your repayment term.

Get up to three fixed-rate advances at a time. Interest-only payment option available. Borrow against primary or second homes.

Pay Less

Credit unions are not-for-profit financial institutions, which means all profits are returned to members by way of lower fees and loan rates. Rates at credit unions tend to be lower than at banks, and a lower rate can save you hundreds – even thousands – of dollars in interest payments over the life of the loan.

Home Equity
3-in-1 Advantage Plan

Jump start your next home design project with our 3-in-1 Home Equity Advantage Plan comprised of a Line of Credit, Fixed-Rate Loan, and Platinum Credit Card.

  • Fast, flexible access to your home’s equity
  • No Application Fees
  • No Minimum Draw Requirements
  • No Closing Costs*

Apply Now

* If you terminate your line within the first 24 months after closing, you will be responsbile for closing costs. Please refer to the Closing Cost Addendum your received at loan closing for the total amount of your closing costs.

Resources

Table data for Home Equity 3 in 1 Advantage Plan*
 Rates effective 04-29-2025
Line of Credit and MasterCard Platinum Credit Card1 APR2 Payment per $1,0003 Alert Me
To 75% LTV (Prime - 1/2%) 7.00% Varies Receive a notification when this rate changes
76% to 85% LTV (Prime + 1/2%) 8.00% Varies Receive a notification when this rate changes
Fixed Rate Advance - To 75% LTV4 Alert Me
Up to 5 years 7.365% - 9.865% $19.97 Receive a notification when this rate changes
5 to 10 years 7.615% - 10.115% $11.93 Receive a notification when this rate changes
10 to 15 years 7.865% - 10.365% $9.48 Receive a notification when this rate changes
15 to 20 years 8.615% - 11.115% $8.75 Receive a notification when this rate changes
Fixed Rate Advance - 76% to 85% LTV4 Alert Me
Up to 5 years 7.615% - 9.115% $20.09 Receive a notification when this rate changes
5 to 10 years 7.865% - 9.365% $12.06 Receive a notification when this rate changes
10 to 15 years 8.115% - 9.615% $9.62 Receive a notification when this rate changes
15 to 20 years 8.865% - 10.365% $8.91 Receive a notification when this rate changes
Fixed Rate Advance - Over 85% LTV5 Alert Me
Up to 5 years 7.865% - 8.865% $20.21 Receive a notification when this rate changes
5 to 10 years 8.115% - 9.115% $12.19 Receive a notification when this rate changes
10 to 15 years 8.365% - 9.365% $9.77 Receive a notification when this rate changes
15 to 20 years 9.115% - 10.115% $9.07 Receive a notification when this rate changes
Apply Now Receive a notification when this rate changes
*For new loan applications as of April 1st, 2020, the HELOC rates are subject to HFCU’s Floor Rate of 3.49% APR and maximum rate of 18.00% APR.

G-2025

Contact Member Services at 800-656-4328 for rate details. Hanscom FCU offers Home Equity Plans on primary residences to our members nationwide, with the exception of Texas and New York.

The plan allows up to three fixed rate advances from your line at any given time during the 10 year draw period. If you terminate your line within the first 24 months after closing, you will be responsible for closing costs. These costs generally range from $400-$700. Closing costs do not include any taxes (if necessary). Interest begins accruing upon loan disbursal. Check with your tax adviser about tax deductibility of interest. Homeowners insurance is required. Total Mortgages/Property Value = LTV. Maximum allowed CLTV may vary by state.
  • 1Rate is variable and based on the Prime Rate as published in the Wall Street Journal. The rate may change after the account is opened. ↵
  • 2APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵
  • 3Repayment amounts will vary depending on the term. This example is estimated for the maximum term. ↵
  • 4Rates for a Fixed Rate Advance are not variable and are set at the time of and for the duration of the advance. ↵
  • 5Rates for a Fixed Rate Advance are not variable and are set at the time of and for the duration of the advance. These rates are applicable for HELOCs originated prior to 10/2/2023. ↵

Home Equity Line of Credit Calculator

Use this calculator to determine the home equity line of credit limit you may qualify to receive.

Calculate Home Equity Line Limit

Not ready to apply?

We’re here to help with your HELOC questions.

Please complete the form below and a member of the team will contact you with assistance.

Complete the form below and a member of our team will contact you and answer your home equity questions. You can also visit any branch location or call us at 800-656-4328.






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Disclosures

*Loans are subject to approval. Not all applicants will qualify. Not all borrowers will qualify for the lowest rate.
*The actual rate will vary depending on the applicant’s creditworthiness. Rates are subject to change. Home insurance is required.