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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

    1

    Apply Online

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

    2

    Access Your Credit Line

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

    3

    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
*Annual Percentage Rate. All loans are subject to credit approval. Some restrictions may apply. Actual loan rate is dependent upon the date the loan is closed. Members are required to have a minimum of a $10 Share Account. Estimated monthly payment per $1,000 is based on the as low as rate quoted, rate will be determined based on an evaluation of the members credit history. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms, and conditions are subject to change without further notice. Contact Credit Union of Georgia directly at 678-486-1111 for current rates, terms, and conditions. **HELOC and TLOC are adjustable rate loans with the rate being based on the WSJ Prime Rate. The WSJ Prime Rate is currently 6.25% as of 09/22/2022. ***Loan to Value. HELOCs require a minimum of $100 payment per month for up to 180 months.