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We Can Help With Home Improvements.

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. With a variable rate as low as 8.75% APR1, a Home Equity Line of Credit (HELOC) from Affinity 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 attractive fixed rate loan options. HELOCs are available in all states except Texas.

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With a HELOC, you can also:

  • Draw available funds for up to 10 years from the date you open your line.
  • After the draw period ends, repayment term is 20 years.
  • Advance funds at your convenience on your time. Transfer funds when you log in to your AFCU account or with convenient checks just for your HELOC.
  • Funds become available as you repay principal during the draw period.
  • For no fee, convert balances of $5,000 or more to a fixed rate and choose a repayment term that fits your budget—up to 20 years2. You can lock-in balances to a fixed rate up to three times during the draw period of your loan without needing to reapply.

ADDITIONAL BENEFITS

1
Affinity Offers No Fees3
With Affinity's HELOC, you will find no application fee, appraisal fee, or annual fees.
2
A Fast and Easy Way to Access Funds
Low interest rates for home improvements, education expenses, medical bills, emergency expenses, a vacation, special occasion you’ve been planning or a new car!
3
Lower Monthly Payments
Consolidating balances from other loans and credit cards to a low-rate could result in a lower, more manageable monthly payment.