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All Affinity locations will be closed Monday, May 28th in observance of Memorial Day. You can still access your accounts online, via mobile app or by calling our Member Service Center at 800.325.0808.

Home Equity

Home Equity Line of Credit

Unlock the Power of Your Home

Take Advantage of our Introductory Rate

Introductory rate of 
2.99% APR1
for the first 12 months

Variable APR as low as
4.25% APR1
after introductory period

Apply Now

Whether you are looking to make home improvements, buy a car, consolidate debts or pay for unplanned expenses, the equity you have in your home could be the solution. Affinity's Home Equity Line of Credit (HELOC) gives you the key to getting more out of your home, combining the flexibility of a variable-rate line of credit with the benefits of fixed rate loan options.

With a HELOC, you can also:

  • Apply for other rates available for up to 80% combined loan-to-value.
  • Lock-in up to three fixed-rate loan2 options during the draw period of your loan without needing to reapply. Lock-in does not apply to the introductory rate.
  • Draw funds for up to 10 years, with a 20 year repayment term.
  • Reduce your monthly payments as you repay what you’ve borrowed.

Two Repayment Options:

Traditional HELOC:

Principal and interest payments during the draw period, equal to .50% of the outstanding balance each month.

Interest Only HELOC:

Pay interest only during the draw period.

Apply Now

Affinity Offers No Fees1

With Affinity's HELOC, you will find no fees!

  • No application fee
  • No appraisal fee
  • No annual fees
  • No pre-payment penalties

Additional Benefits

A HELOC might also be able to help with:

  • A fast and easy way to access funds at a low interest rate for, well almost anything, such as, home improvements, education expenses, medical bills or emergency expenses, a vacation, special occasion you’ve been planning or a new car!
  • Lower Monthly Payments: Consolidating balances from other loans and credit cards to a low-rate could result in a lower, more manageable monthly payment.

1 APR = Annual percentage rate. All loans are subject to credit review and approval. Advertised APR is variable and subject to change. 2.99% annual percentage rate (APR) is an introductory fixed rate for the first 12 months for qualified home equity line of credit borrowers. Current fully indexed rate as low as 4.25% APR. After the introductory period, a variable APR as low as equal to Wall Street Journal prime minus .50% or 4.25% APR as of 3/22/2018. The introductory fixed rate is for a maximum Combined Loan-To-Value (CLTV) ratio of 80%, with a maximum loan amount of $1,000,000. After the introductory fixed rate expires, the fully indexed rate may include a 0.25% discounted rate for automatic payments from an Affinity account.. Other rates are available based on loan amount, credit characteristics, and CLTV up to a maximum of 80%. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) is 18.00%. Offered rates are subject to change without notice. Your actual interest rate is based on our review of your creditworthiness and the available equity in your home and is contingent upon you granting Affinity a valid first or second mortgage. If the credit limit is less than $250,000, there are no upfront fees. If the credit limit is $250,000 or higher, the borrower will be required to pay for a full title insurance policy. For all HELOCs where a state mortgage tax or other state fees are charged borrower will be responsible to pay this at closing and may take as an advance from HELOC. If borrower pays off and closes the line within the first 36 months, they will be required to repay the third party fees paid by Affinity.

Home equity lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Satisfactory Homeowners’ Insurance is required. Satisfactory Flood Insurance may be required. Title Insurance may be required based on loan amount. Eligible properties include owner-occupied, 1-2 family residences and warrantable condominiums. Investment properties, second homes, vacation homes, cooperatives, mobile homes, and purchase money transactions are excluded.

2 Within the Home Equity Line of Credit (HELOC) there is a fixed rate option which you may use for up to 3 advances within your available credit line, during the draw period only, with a maximum repayment term of 10 years. When you choose this option, the interest rate you receive for that advance will be fixed until the balance is repaid. Your fixed interest rate will be 1% higher than the fully indexed rate on your line at time of the fixed loan request. If the lock in is during the introductory period, the rate will be marked up based on the fully indexed rate and NOT the introductory rate.