Home Equity

Tiny paper house in grassSince the day you signed the papers, your house has become more than just a roof over your head. Lots of hard work and money have gone into making it your home. Take advantage of the Home Equity you have been building with our variable rate Home Equity Line of Credit (HELOC). Please contact us for rates and terms.

  • Rates tied to prime.
  • Credit lines up to $100,000
  • Use funds for a variety of purposes: debt consolidation, home repair, vehicle purchases
  • Rate changes January 1, July 1 and at time of advance
  • Credit Union pays up to $750 towards closing costs

Any member with a Home Equity Line of Credit (HELOC) with VITAL FCU is required to maintain insurance on their home and provide proof of this insurance showing the credit union’s name as the mortgagee.

    Subject to Credit Approval

Discover more of what your Vital Federal Credit Union has to offer!


Member Benefits

computer screen

Great Rates

mobile device

Mobile Banking

home with hammer

Home Equity Loans


Due to system upgrades, you may experience intermittent down times over the next few weeks. We appreciate your patience in this matter. Florida and Ohio have been blocked for Visa debit card transactions due to fraud. Learn more