Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App
Credit Union of Georgia logo Credit Union of Georgia - Homepage

Home Equity Line of Credit

Money when you need it

Apply Now

    Here’s what you need to apply

    • Current pay stub or 2 years of tax returns
    • Warranty deed showing legal description
    • Homeowners insurance
    • Document showing current balance of mortgage
    • If you’re refinancing: payoff statement

    Here’s what to expect


    Apply Online

    Have your documents handy. Feel free to call or stop by a branch if you need help.


    Access Your Credit Line

    Withdraw funds as you need them. Use your loan to remodel, consolidate debt or pay for something else.


    Make Online Payments

    As you pay back your loan, more credit becomes available. Set up automatic payments online to free up credit again.

    Beth at Credit Union of Georgia did a HELOC for my husband and I recently. We were so extremely happy with her promptness, professionalism, & customer service. We have been members for over 18 years and couldn’t imagine being with a different bank. Thank you Beth for making this transaction so seamless and easy for us!

    Nikki L.

Start your next project or emergency fund

Apply online, and have access to a line of credit whenever you need it.

The fine print
*Home Equity Line of Credit promotional rate of 1.99%. Rate shown is a promotional rate that applies to new HELOCs only and is effective through March 31, 2022; thereafter, the rate will adjust to the Prime Rate as published in the Wall Street Journal, plus a margin determined at time of loan opening. The margin is determined by the creditworthiness of the borrower and our underwriting standards. Current Prime Rate is 3.25% APR as of December 21, 2020. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Credit Union of Georgia will pay closing costs, if applicable with the exception of appraisals and title insurance. The Credit Union will recapture those fees if the loan is closed within 12 months of disbursement. Program, terms and conditions are subject to change without further notice. Contact Credit Union of Georgia at 678-486-1111 for current rates, terms and conditions. Credit Union of Georgia, 4178 Jiles Road, Kennesaw, GA , 30144. NMLS ID #571306.