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Home Equity Line of Credit

Borrow from the equity in your home and use the money for whatever you need – as you need it. You only pay interest on the funds you use.

Improve your home, your finances, your life

With our Home Equity Line of Credit (HELOC), you can update your home, consolidate debt, pay for college tuition, purchase a vacation home or even go on a new adventure. The choice is yours. You decide when and how you want to use the funds. Similar to a credit card, but different than a home equity loan, a HELOC provides you with a credit line that replenishes access to funds as you repay. 

  • Rates are variable based on current market conditions 
  • Lines of credit from $5,000 - $250,000 
  • Outstanding balances can be repaid using a variety of repayment strategies


At Georgia United, we want to make the application process easy for you. Our Home Loan Consultants can walk you through each step of the process and answer any questions you have. To contact a Home Loan Consultant, call 888.493.4328 ext. 6851 or email


Georgia United Credit Union values all their customers. I got help with establishing credit when I had none because I always paid with cash. They help me get a credit card and told me all the ways I could establish good credit. I now have a credit score of 760, own a home and have no debt except the mortgage.
- Dakota D.
We have been members since 1968 and have always been satisfied with the service and the different things we’ve done from buying cars to refinancing mortgages.
- Marion A.
You guys always have great rates and are very helpful when I come to the branch for any financial needs. I would recommend anyone over to you guys.
- Timothy T.
Georgia United has great interest rates for loans. I receive my pay earlier with Georgia United Credit Union than regular banks.
- Zenobia W.
I just wanted to let you know that I’m in awe of Georgia United! I spoke to you ten days ago about applying for a HELOC and today we closed on it at the Stockbridge branch. This was the EASIEST and best thing I could have ever done! Every Georgia United employee we dealt with along the way, was very helpful, prompt, kind and a joy to deal with.
- Emanuel C.
I've been with Georgia United for many years and have availed myself of various opportunities (loans in particular). Regardless of who I've dealt with, I've always been extremely pleased with the service and product. Georgia United has superior rates and very very competent personnel. Why would I go elsewhere for my financial needs? The answer is, "I wouldn't."
- Linda J.
Super easy and fast. Applied for the loan and turn around was immediate.
- John O.
Professional Service! Good rates! My loan officer was given three p's! Prompt, professional, and personable.
- Jerry D.
I have been a satisfied member for over 10 years. All my family are members of Georgia United and I have also recommended friends to become members of Georgia United, due to ease and low interest rates for auto loans, home loans, and personal loans.
- Jacqueline R.
We have been going through you guys for almost 10 years and multiple loans always been a good process.
- Matthew L.