Home Equity Line Of Credit Special Offer
Enjoy a great introductory rate for the first 6 months!
Call us at 800-341-9911 or visit an office
It’s time to get a Royal HELOC and turn your home’s equity into opportunity! You can use the money from a home equity line of credit for almost any purpose!
Add on to or remodel your home
Make home repairs
Buy a boat or vehicle
Pay for tuition or a vacation
Consolidate debt
So much more!
Lock in this great HELOC rate for 6 months! After 6 months, your rate will change to the current variable rate.
How a HELOC Can Change Your Life
How Does A HELOC Work?
Using the equity you have in your house as collateral, you can borrow funds to use for just about anything! Your equity is the value of your home minus the amount you owe on your mortgage. You borrow just the money that you need, and you can repay and borrow on your HELOC again and again during the draw period. After the draw period is done, the HELOC enters a repayment period so you have an extended time to pay off the amount.
Does My Mortgage Have To Be At Royal To Get A HELOC?
Not at all! Whether your mortgage is with Royal or another lender, you can still apply for a Home Equity Line of Credit with us.
HELOCs Are For Just About Anything!
Home Equity Lines of Credit can be used for almost any purpose. Because the interest rate is often lower than other types of loans, many people choose to use them for large purchases, education expenses, or home renovations. Since you can choose how much of it to use as you go, a HELOC can also make a great emergency funding option.
Home Equity Line Of Credit Rates
*APR=Annual Percentage Rate. Rates current as of 9/2/2025 and subject to change without notice; maximum HELOC variable APR is 18% and minimum HELOC variable APR is 5%, separate from any introductory rate. For qualified borrowers only; offer valid for new HELOC applications received between 9/2/25-12/5/25. The discounted introductory rate of 4.99% APR will expire after 6 months and return to the current variable HELOC rate. Rates shown are for up to 70% LTV for borrowers with 700+ credit score. Manufactured homes and vacant land qualify for up to 80% financing. Closing costs could range from $250-$350. Certain exceptions may apply. Membership required and account opening upon qualification. Existing Royal Credit Union HELOC accounts do not qualify.