Home Equity Line of CreditUnlock the Power of Your Home Take Advantage of our Introductory Rate Introductory rate of 2.99% APR1for the first 12 months Variable APR as low as 5.00% APR1after 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 and repayment. Interest Only HELOC: Pay interest only during the draw period. During repayment, payments are amortized to pay the balance in full over the remaining term. Apply Now Affinity Offers No Fees1With Affinity's HELOC, you will find no fees! No application fee No appraisal fee No annual fees No pre-payment penalties Additional BenefitsA 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.