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Leverage the equity you've worked hard to build

Put your home's equity to work with a Home Equity Line of Credit (HELOC) from Georgia United Credit Union. This revolving credit line is secured by the equity that you've built in your home and like a credit card, you only pay interest on the funds you use.

Use a HELOC for whatever you need, as you need it. Whether you're looking to fund a dream home renovation, pay for a large expense or consolidate debt, a HELOC may be the perfect solution.

Enjoy the Benefits

Unlock your hard earned equity and get a little more out of life. Interest rates are typically lower than a personal loan or credit card, helping you save money in the long run, achieve your financial goals and buy what you want.

  • Easy access to your line of credit through Online Banking
  • Credit lines from $5,000 - $250,000
  • Borrow up to 90% of your home's equity


Still have questions? We're here to help. Use our free calculators or reach out to our mortgage experts by calling 888.493.4328 ext. 6851 or emailing

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?

*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


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