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Unlock Life's possibilities

with a Home Equity Line of Credit

When James used a Home Equity Line of Credit (HELOC) from Georgia United Credit Union to renovate his kitchen, he wasn’t just upgrading appliances—he was creating a space to bond with his son over weekend breakfasts and shared recipes.

With flexibility and convenience, a Combo HELOC can help turn your home's value into endless possibilities, creating unforgettable memories.

  • Credit lines from $10,000 - $500,000
  • Borrow up to 90% of your home's equity

Ready to put your home's equity to work?

Get Started

Enjoy the benefits of a Combo HELOC


Fixed Rate Option

Protect your budget by locking in a fixed rate on your HELOC balance for up to 10 years. With predictable monthly payments, you can plan and budget with confidence.

 

Lower Payments

As a secured loan, our HELOC rates are significantly lower than credit cards, saving you money in the long run. Plus, qualified borrowers have the option to make interest-only payments.

Easy Access to Funds

Managing your funds has never been easier. You can easily access your funds through checks, Online Banking or by visiting a Georgia United branch or ATM.

Featured Rates

Home Equity Line of Credit

rates as low as
7.00%
APR*

How It Works

Rates that fit your budget

Whether you prefer a variable rate line of credit or want to secure a fixed rate with predictable monthly payments, our Combo HELOC has you covered. You can lock in up to five portions of your balance at once, making it easy to manage your finances. As you pay off those locked balances, your line of credit will increase, giving you even more flexibility to use whenever you need it.

  • Minimum lock amount is $5,000
  • First rate lock is free and each additional lock is $50

What You'll Need to Apply for a HELOC

To accurately determine your credit request you may be asked to provide some or all of the items listed below. To expedite this process, you can choose to upload these items at the time of submitting your application.

  • Driver's license
  • Most recent paystub
  • Personal tax returns for most recent two years, if self-employed
  • Most recent mortgage statement for all properties owned
  • Homeowner's insurance declaration page

 

Helpful Tools & Resources

Questions? We're here to help. Reach out to our mortgage experts by calling 888.493.4328 ext. 6851 or emailing homeequity@gucu.org.

We Are more than a bank

About Georgia United

Our mission is to serve with a purpose to enrich the lives of our 150,000+ members, team members and surrounding communities. We not only offer rewarding and affordable products to our members, we also reinvest into our community through philanthropic initiatives that help them thrive. Joining is simple - apply online or at a branch, meet one of our eligibility requirements and pay a $5 one-time nonrefundable membership fee. Let us help you live your best life and join us today!

Discover What Sets Georgia United Apart

“
For something as big as a "HUGE LINE OF CREDIT" against your home, Georgia United made the process pretty effortless and easy. To be able to do most of it online and show up at closing, where it literally took less than 20 minutes, was just way beyond what we could have expected. Everything from start to finish was easy and timely.
- Dee and Thomas T.
“
In the early '70s, the credit union extended to me – a single woman under 30 – a mortgage that allowed me to buy a rundown house in the City of Decatur. That house is long paid for and worth a lot more in this rejuvenated town. Back in those days, no other financial institution would consider helping. I will always be grateful!
- Susan T.
“
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.
“
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.

Ready to get started?

Apply Now

*APR = Annual Percentage Rate. Combo Home Equity Lines of Credit are variable based on the U.S. prime rate. Rates as low as 7.00% APR and are based on individual creditworthiness, loan-to-value ratio and ability to repay. The maximum APR that can apply is 15.00%. Members have the ability to lock the balance or portions of the balance into a low, fixed rate for term options up to 10 years. First rate lock is free; each additional is $50. Minimum fixed rate lock amount per loan is $5,000. The minimum amount due for each segment must be satisfied each month. Payments over and above the amount(s) due are automatically paid to the highest rate segment unless otherwise specified. For loan amounts of up to $500,000, closing costs that members must pay consist of a $500 or $750 Origination Fee (depending upon the combined loan-to-value ratio) and estimated third party fees typically ranging between $0 to $2,750. Property insurance is required. Flood insurance may be required. Fees will vary on the lines. Fees will be added to the line at closing or can be paid up front. 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


 

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