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Home Equity Lines of Credit

Whether you want to do some home renovations, go on a vacation, or consolidate debt, a HELOC may be perfect for you. 

Advantages to ACBLA’s HELOC

  • No Annual Fee.
  • Loan to Value up to 90% for qualified borrowers.
  • The HELOC will always stay open even if you are not carrying a balance, thus you will not have to reapply when you want to access it again.
  • You can stop using those nondeductible, high interest bearing credit cards for purchases because the interest you pay on a HELOC may be tax deductible.*
  • The application process is simple and fast. While standard closing costs do apply, they can be deducted from your HELOC.
  • You can use the HELOC for anything you want like a vacation, debt consolidation, purchase a car or boat, a home renovation etc.
  • The applicable margin will be in place the entire time you keep your HELOC open.
  • Your HELOC will be directly tied to Visa Debit Card for easy access to your account and availability to a network of surcharge free ATMs.

ACBLA’s HELOC Programs

  • Five Year Secure HELOC - This program's rate is based off of Prime Rate plus or minus an applicable margin. Your rate will adjust every five years.
  • Monthly Flex HELOC - This program's rate is based off of Prime Rate plus or minus an applicable margin. Your rate will adjust immediately if Prime Rate changes.

Visit our rate page to view our current rates.

*Talk to a tax professional to see if you are eligible.

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