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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. Once approved, 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. 

  • Access HELOC funds anytime using a convenient Visa® Card 
  • Rates are variable based on current market conditions 
  • Lines of credit from $5,000 - $250,000 
  • Interest only payment terms available 
  • Outstanding balances can be repaid using a variety of repayment strategies


Ways to Apply

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 apply, complete our online application or stop by a branch location.

If you have any questions, contact a Home Loan Consultant at 888.493.4328 ext. 6850 or email


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.
Good rates on home and auto loans! Cash back on checking and saving. As if this isn't the greatest of reasons, the people are wonderful to talk to and assist you with any and all financial issues you may need help or advice with.
- Teresa B.
The loan officer was readily available each time I needed to make contact with her. Great experience.
- Deborah P.
Efficient and professional service. Loan applications fast and unencumbered. Customer service oriented staff.
- Mike G.
I have referred others and they have used Georgia United for multiple loans!! The customer service representatives are so responsive and I feel as though two of them are my personal bank reps! I love Georgia United!
- Wendy B.
Every interaction I had with associates has been very positive for years!!! Never been disappointed. My recent home loan closing experience was perfect. The seller commented on how professional and on point the loan staff were.
- Alicia S.
Buying my first house and using the credit union was the best decision I made. They treated me well and showed how much they care.
- Hector F.

Calculate a Home Equity Line of Credit Payment


Disclaimer: This calculator is for general education purposes only and is not an illustration of current Georgia United Credit Union products and offers.