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Home Equity Line of Credit


Having a safety net ready whenever you need it is the best assurance when it comes to your finances, and that is exactly what a Home Equity Line of Credit (HELOC) can provide. Think of a HELOC as a flexible credit card backed by the value of your home—but with lower rates and bigger borrowing power. Instead of taking a lump sum, a HELOC lets you borrow only what you need, when you need it, and pay interest solely on the amount you use.

It’s an ongoing reassurance that can help with everything from remodeling projects and tuition payments to unexpected expenses or opportunities that pop up. As you repay, your available balance refills, giving you steady access to funds throughout the draw period.

Advantages of a Home Equity Line of Credit

  • Flexible borrowing power – Access up to 80% of your home’s equity.
  • Use it when you need it – Borrow as little or as much as you want over a 10-year draw period, then repay over the next 10 years.
  • Pay less in interest – You only pay interest on the amount you actually borrow.
  • Rates that work for you – Start with a low introductory fixed rate, then move to a competitive variable rate.
  • Reusable funds – As you pay down your balance, your credit line replenishes automatically.
  • Easy account management – Transfer or withdraw funds quickly through Online Banking.

With a HELOC, your approved credit line is based on the equity you’ve built in your home—the more equity, the more you can borrow.

Ready to put your home’s value to work for you? Get a HELOC today with the local team at ACCESS Credit Union in Bristol.


*Available only for primary residences. Fees and closing costs may apply.



Compare Home Equity Loan and HELOC