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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.

Leverage the equity you've worked hard to build

Tap into the equity you've built in your home and put it to use. With a Home Equity Line of Credit (HELOC) from Georgia United Credit Union, borrow for anything you desire — fund a dream home renovation, pay for a large expense or consolidate debt. Borrow up to 90% of your home's equity and only pay interest on the funds you use. You decide when and how you want to use the funds.

The Benefits of HELOC

  • Lower interest rates than credit cards or other big banks
  • Easy access to your line of credit through Online Banking
  • Lines of credit from $5,000 - $250,000
  • Make long-term financial planning easier in retirement

Use our HELOC calculator to determine the equity in your home.

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.

*APR = Annual Percentage Rate. Home Equity Lines of Credit are variable rate loans based on the U.S. prime rate. Rates as low as 7.75% APR. The maximum APR that can apply is 18%. For loan amounts of up to $250,000, closing costs that members must pay typically range between $600 and $1,000. Property and/or flood insurance may be required. Not all products are available in all states or for all amounts. All home lending products are subject to credit and property approval. Other restrictions and qualifications apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness and loan-to-value. Membership eligibility restrictions and qualifications apply. Membership requires a $5 opening deposit plus a $5 one-time, nonrefundable membership fee. Not all applicants will qualify.

Rates effective as of