Love Where
You Live

with a Home Equity Line of Credit

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HELOC Features

If you have equity in your home, a HELOC can offer security and peace of mind for years to come. Whether you have a planned home improvement project or an unexpected life event, you'll have the funds you need.

No Penalty Our Home Equity Line of Credit features no prepayment penalty.
Adjustable Rate Our HELOC is a competitively priced adjustable rate loan.
Access $150K Our Home Equity Line of Credit features funding options up to $150,000.
Closing Costs Our HELOC features low closing costs so you can count on extra savings.

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HELOC Rates

You can rely on our competitively priced HELOC rates to help you achieve your goals while keeping your monthly budget in line.

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*APR (Annual Percentage Rate): Variable rates range from 4.00% to 18.00% APR. The APR is based on the 26-week U.S. Treasury Bill index plus a margin. As of April 3, 2026, the index value is 3.60%. Rates are variable and may adjust annually on June 1st. The APR will never fall below 4.00% (floor rate) and will not exceed 18.00% (lifetime cap). Payments may increase as a result of rate adjustments. Maximum combined loan-to-value (CLTV) is 80%. Loan term is up to 12 years. Minimum loan amount is $10,000 and maximum loan amount is $150,000. All loans are subject to credit approval and underwriting requirements. Rates, terms, and conditions may vary based on creditworthiness, collateral, and other factors, and are subject to change without notice. This is not a commitment to lend. Property must be your primary residence. Membership is required. Applicant must be an existing member or eligible for membership through our field of membership. A $50 application fee applies. Additional closing costs may apply and will be disclosed at the time of application. Offer available in the states of Georgia and South Carolina. NMLS #483559

HELOC Rates

APR* (as low as 4.00%)

Max Loan to Value**

Lien Position

APR* (as low as 4.00%)

5.75%

Max Loan to Value**

80%

Lien Position

1st

APR* (as low as 4.00%)

6.25%

Max Loan to Value**

80%

Lien Position

2nd

Effective April 3, 2026

MAKE A DIFFERENCE

A Home Equity Line of Credit can change and improve your future!

With convenient access to your line of credit through Online Banking, at local branch or by calling our Loans by Phone Center at 770.580.6000, you can be confident your funds will be ready when you need them most.

Home addition or backyard oasis
Fund an investment property
Wedding or vacation of a lifetime
Education or medical expenses

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3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

Fillable online
Calculates in real-time
Easy to use and understand

Testimonial

Share Your Story

Always friendly service and many account offerings in terms of loans, cards, etc.

- Linda D.

Employees are friendly. Loan application is quick and easy as well. Friendly bank and extremely efficient.

- Chris S.

I like the fraud alert calls. I like that my banking is straight forward and I don't have to think about it. I appreciate the ease and satisfaction when we borrowed for our mortgage.

- Clara M.