Put your home to work.

Home Equity

Whether it’s an emergency, a college fund or unexpected renovation, your four walls can fast-track you to a new credit line. A home equity line of credit (HELOC) or home equity loan can help you free up cash by borrowing against your property. With access to borrow up to $150,000, it’s much easier to reach your financial goals. 

Home Equity Loan img

Home Equity Loan

Unlock your home’s value.

If you need all of your cash up front, home equity loans provide a one-time advance with all the money you’re looking to borrow at a low fixed rate.

  • Borrow up to 100% of the value of your home1
  • Maximum Loan amount is $150,000
  • Enjoy a fixed rate for the life of the loan
  • Tackle large home improvement projects and raise your home’s worth
  • Only available on properties located in Maryland, Virginia, D.C., Pennsylvania, West Virginia, New Jersey, North Carolina, and Delaware
  • Receive a reduced rate when you finance the construction of an accessory dwelling unit (ADU)
  • May offer tax advantages; consult your tax adviser
Apply Now
calendar icon Rates Effective: April 15, 2024
Term As Low As APR* Loan To Value (LTV) Sample Monthly Payment for $10,000
Term 10 Year As Low As APR* 9.625% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $130.08
Term 10 Year As Low As APR* 10.375% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $134.24
Term 10 Year As Low As APR* 10.625% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $135.64
Term 15 Year As Low As APR* 10% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $107.46
Term 15 Year As Low As APR* 10.75% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $112.09
Term 15 Year As Low As APR* 11% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $113.66
Term 20 Year As Low As APR* 10.250% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $98.16
Term 20 Year As Low As APR* 11% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $103.22
Term 20 Year As Low As APR* 11.25% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $104.93

Home Equity Line of Credit (HELOC)

Need cash yesterday?

There’s simply no easier way to put your home to work for you than with a Home Equity Line of Credit: It’s a ready source of cash you can access again and again.

  • Borrow up to 90% of the value of your home1 without incurring points, annual fees or inactivity fees
  • $10,000 minimum loan amount
  • Maximum Loan amount is $150,000
  • Variable rate based on The Wall Street Journal prime index
  • Line of credit you can use again and again
  • Receive a reduced rate when you finance the construction of an accessory dwelling unit (ADU)
  • Only available on properties located in Maryland, Virginia, D.C., Pennsylvania, West Virginia, New Jersey, North Carolina, and Delaware
  • May offer tax advantages; consult your tax adviser
Apply Now
Home Equity Line of Credit (HELOC) img
calendar icon Rates Effective: April 15, 2024
AS LOW AS APR* Loan To Value (LTV)
AS LOW AS APR* 8.75% Loan To Value (LTV) 80%
AS LOW AS APR* 9.50% Loan To Value (LTV) 90%
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Accessory Dwelling Unit Financing

The key to expanding your property.

Effectively finance a loan for the construction of your rental property, ADU financing requires $0 down and offers rates .25% lower than standard equity products.

  • Must be approved by the applicable county
  • Only available in Maryland, Virginia, D.C., Pennsylvania, West Virginia, New Jersey, North Carolina, and Delaware
Apply Now

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

HELOC Only

*HELOC rates are variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not be less than 3.75% and will not exceed 18%. Exclusions and conditions apply. Interest charges apply only when you use the line.

HELOC & HELOAN

*APR = Annual Percentage Rate. Not all will qualify for the lowest rate. Property insurance required. Offer available only on residential real property located in VA, MD, D.C., PA, NJ, WV, DE, and NC. ACFCU must obtain a valid first or second lien position on the collateral and all owners must sign the documents. Range of closing costs between $700 and $1,600 based on a $100,000 equity loan. The APR will not be less than 3.75% and will not exceed 18%.

1Maximum loan amount is $150,000.

Equal Housing Lender. NMLS# 477974. Loan and membership requirements apply. Federally insured by NCUA.

2Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.

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