Hybrid HELOCk Loans

HybridHELOCk Loans

Built on Independence

Which Loan is Best?

Best of Both Worlds

Home Equity Line of Credit

Home Equity Loan

You've worked hard to build equity in your home. We can help you put it to good use.

Your home built your equity. Now let it build what's next — at a rate worthy of the year.

The Spirit of '76, The Benefits of Now

• 1.76% APR A Revolutionary Rate 1.76% APR for your first 12 months. A nod to 1776 — and a number you won't see twice.

• $750 Closing Costs Paid We Cover the Cost of Freedom Up to $750 in closing costs, paid by RVCCU. More equity stays in your pocket.

• $500 Loyalty Reward Loyalty, Rewarded Keep your HELOC in good standing for 36 months and we'll pay you $500. Your commitment, returned.

• 14-Day Closing Fast as a Founding Get to closing in as few as 14 business days. No drawn-out paperwork. No delays.

• Desktop Appraisal No One Coming to Your Door Our desktop appraisal process skips the in-home visit. Faster, easier, and far less disruption.

• Limited-Time Offer This Moment Won't Repeat for 250 Years The 1.76% rate is tied to America's 250th. When the celebration ends, so does the rate.

A Rate Worth 250 Years of Waiting.

1.76% APR isn't a marketing number. It's a tribute — to 1776, to independence, and to every homeowner who's built something worth borrowing against. This offer ends when the celebration does.

HOW IT WORKS (Optional 3-step section)

Three Steps to Independence.

1. Apply Online — A few minutes is all it takes.

2. Desktop Appraisal — No home visit, no scheduling around your life.

3. Close in 14 Days — Sign, fund, and start putting your equity to work.

The Year Was 1776. The Rate Is 1.76%. Both Are Worth Remembering.

Limited-time 1.76% APR HELOC. Up to $750 closing costs paid. $500 loyalty reward.

Home renovations, emergency repairs, debt consolidation— you can use your home's equity for almost anything. We'll help you find the best way:

Endless Possibilities

Get the most out of your home's equity by opening a HybridHELOCk, and enjoy financial flexibility and steady payments.

Use your home's equity for renovations, vacations, debt consolidation, unexpected expenses, and so much more. The possibilities are endless! 

Homeowners can use the hybrid option to freeze or lock their HELOC rate to keep their payments steady and to protect themselves if rates rise.

Now you don't have to choose between the flexibility of a HELOC or the steady payments of a fixed rate loan. You can have both with our new HybridHELOCk. The HybridHELOCk option lets you use our regular Home Equity Line of Credit, and then lock in your rate at any time.

A flexible way to keep your options open.

A flexible line of credit is a great way to use your equity for whatever needs might come up, and now is the perfect time to get one here at RVCCU.

We are currently offering a very low introductory rate and a special payment offer.

Why choose our HybridHELOCk Line of Credit?

• Flexibility makes borrowing easy.
  The Home Equity Line of Credit (HELOC) lets you borrow money as you need it. You won't need to apply and go through the closing process each time.

• The rate is low.
  The variable interest rate is based on the Prime Rate, which is still low right now. And we are currently offering an even lower 12-month introductory rate.

• You can lock your rate.
  Keep your payments steady and protected from rising rates. Our HybridHELOCk option will allow you to convert a part or all of your loan to a fixed-rate.

• You'll get help with the closing costs.
  We've got you covered, up to $750.00.

• We'll reward your loyalty.
  We appreciate your business and we'll show it by paying you a $500.00 Member Loyalty Reward when you keep your loan in good standing for 36 months.

• Borrow as little or as much as you need.
  Our loans have a low minimum of $5,000.00, or you can go as high as 80% of your home's Loan to Value.

• It's convenient.
  You can access your loan through eValley, your free convenience checks, by phone, or by stopping by a branch.

• The interest paid may be tax-deductible.
  Many borrowers are able to claim this deduction, but you'll need to consult a tax advisor to determine if you are eligible.