Put the equity you’ve built in your home to work—whether you’re renovating, consolidating debt, or planning your next move
Your home represents years of commitment and care. Our home equity solutions help you borrow against that value thoughtfully — with flexible access, structured repayment options, and specialists who guide you every step of the way.
A revolving line of credit that lets you access your home’s equity as needed during a 15-year draw period, featuring a special 6‑month introductory rate, up to $500 in paid closing costs, and options for more predictable payments when it makes sense for you.
Borrow, repay, and borrow again for up to 15 years, with access to up to 100% of your home’s value—giving you ongoing funds for projects, expenses, or unexpected needs.
Convert portions of your balance into fixed-rate segments for predictable monthly payments while keeping the remaining balance variable.
Manage your line with confidence—without annual fees and without penalties for paying it down early.
A revolving line of credit with interest‑only payments during the 15‑year draw period—designed for well‑qualified borrowers who want to manage cash flow while keeping access to their equity, with up to $500 in paid closing costs.
For the first 15 years, you pay interest only on the amount you use—helping keep initial payments lower, with borrowing options available up to 90% loan-to-value.
After the draw period ends, repay the remaining balance over a structured term of up to 15 years.
Pay down your balance when it works for you, without added fees for doing so.
A fixed-term home equity loan designed to help you pay down debt faster, with consistent monthly payments and little to no closing costs in qualifying states—available for primary residences or vacation homes up to 80% loan-to-value.
Enjoy stable monthly payments with an interest rate that remains fixed throughout your selected term.
Choose a shorter repayment timeline to accelerate payoff and build equity more quickly.
Use funds to refinance shorter-term mortgages or consolidate debt into one predictable payment with a clear finish line.
Applying for a home equity solution should feel straightforward — not overwhelming. Here’s what you can expect along the way.
Complete a secure application anytime that works for you.
A specialist reviews your application, answers your questions, and walks through next steps so you feel informed — never pressured.
Before closing, we review your final rate, payment structure, and terms in plain language so you know exactly what to expect.
| Balance | APR* | |
|---|---|---|
| Primary Residence up to $350,000** | as low as Prime - 0.25% | |
*APR=Annual Percentage Rate. Rates are based on as low as the Prime Rate minus 0.25%. Maximum rate for HELOC is 18% and the lowest could never be below the floor rate of 4.99% as of 4/14/2025. Rate is also affected by your credit history and profile and, like terms, are subject to change without notice. For FlexLoan segments, which can be exercised up to 5 times, a portion of your balance will have a fixed rate. Minimum amount for each option is $5,000. The FlexLoan Line of Credit is a variable rate with a 15-year draw period. The total maximum line of credit amount for the loan is $350,000 up to 100% LTV on primary residence. For the fixed rate option, if you took no other credit advances it would take 10 years to pay off a credit advance of $10,000 at 7.74% APR. During that period, you would make 119 payments of $120.00 and one (1) final payment of $119.52. Member can obtain credit advances up to 15 years (the draw period). After the draw period ends, the loan is setup on a repayment schedule not to exceed 15 years. During the draw period, the payment is equal to the finance charge (interest) that accrued on the outstanding balance during the preceding month. Appraisals are required on loan amounts greater than $100,000. There is no annual fee, activity charge or prepayment penalty fee. Allegacy will pay up to $500 towards the closing costs. Homeowner’s insurance and, if applicable, flood insurance is required. Interest may be tax deductible; consult tax advisor for details. |
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| Balance | APR* |
|---|---|
| Primary Residence up to $350,000** | as low as Prime + 0.50%*** |
*APR=Annual Percentage Rate. Interest-Only Line of Credit – Rates as low as Prime + 0.50%. Prime Rate as published in The Wall Street Journal and adjusted quarterly for equity. The maximum rate is 18.00% and the lowest could never be below the floor rate of 4.99% as of 4/14/2025. Rate is also affected by your credit history and profile and, like terms, are subject to change without notice. Member can obtain credit advances up to 15 years (the draw period). After the draw period ends, the loan is setup on a repayment schedule not to exceed 15 years. During the draw period, the payment is equal to the finance charge (interest) that accrued on the outstanding balance during the preceding month. The total maximum line of credit amount for the loan is $350,000 up to 90% LTV on primary residence. Appraisals are required on loan amounts greater than $100,000. There is no annual fee, activity charge or prepayment penalty fee. Allegacy will pay up to $500 towards the closing costs. Homeowner’s insurance and, if applicable, flood insurance is required. Interest may be tax deductible; consult tax advisor for details. |
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| Balance | APR* |
|---|---|
| Primary Residence up to $1,000,000** | as low as 5.30% |
| Secondary Residence up to $1,000,000** | as low as 5.40% |
*APR = Annual Percentage Rate. APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 4/16/2026 at 1:00 PM (EST). Mortgage rates are based on a variety of assumptions and conditions. A loan’s interest rate will depend on specific characteristics of the loan and the borrower’s credit history through the time of closing. Mortgage Eliminator Loans offer a fixed interest rate and fixed monthly payment over a shorter loan term. For example, a Mortgage Eliminator Loan for $100,000 financed for 180 months with an APR of 5.40% would result in an estimated monthly payment of $812.04. Monthly payments do not include taxes, insurance, or flood insurance, if applicable, and the actual payment obligation will be greater. Mortgage Eliminator Loans are available for primary or secondary residences in CA, CT, DE, DC, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, VA, and WV. All loans are subject to credit approval. Rates, terms, and products are subject to change. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Closing costs may apply and can include fees such as property title search, flood certification, and appraisal, if required. Qualifying states may pay little to no closing costs. Membership eligibility required. Federally insured by NCUA. Equal Housing Lender. |
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