HELOC

Home Equity Line of Credit

Limited-Time Offer:

4.99% APR*
for 12 Months

Refinance your home equity line of credit (HELOC) from another financial institution and secure a low 4.99% APR* for 12 months with Robins Financial Credit Union, March 1 - April 30.
Plus, for the first 60 days, you can use your line for new purchases at the same great rate—perfect for home renovations, major expenses, or special projects.

Borrow better with home equity

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Home-Related
Expenses

Use your equity to renovate, upgrade, or repair your home.
Common Uses:

Kitchen Remodel
Bathroom Remodel
Smart Home Upgrades
New Flooring, Roofing, or Siding

Savings Calculator
Debt
Consolidation

Simplify payments and save with a lower interest rate.
Common Uses:

Lower Interest Rates
Simplified Budgeting
Free Up Cash Flow
Reduce Financial Stress

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Major Life Expenses &
Large Purchases

You can borrow what you need while keeping repayment flexible.
Common Uses:

College Tuition & Education Costs
Medical Bills
Buying Investment Property
Starting or Growing a Small Business

*Annual Percentage Rate. Offer good only on a new Home Equity Line of Credit. All advances must be completed within 60 days of the date of closing in order to take advantage of the promotional rate. The 4.99% APR is guaranteed for 12 billing cycles after the date of the last advance within the promotional period and will convert to a variable rate thereafter. Advances made after the 60-day promotional period will be subject to the applicable variable rate. The APR is variable based on the prime rate as published in the Wall Street Journal plus or minus a margin with a minimum APR of 4.00% and maximum APR of 18.00%. The margin is based on the applicant’s credit history and combined loan to value. The current variable APR as of 03/01/2025 is between 6.50% and 7.50%. Property insurance is required for the duration of the loan. Available equity is based upon the current assessed value of the property. Robins Financial Credit Union will maintain a security interest on the property securing the account. Closing costs may be waived if initial advance of $5,000 or more is made at the time of closing. The closing costs are estimated to begin between $200.00 and $700.00. Maximum Loan-to-Value is 100%. Not available for Business Accounts. Some restrictions apply. Offer only valid from March 1, 2025, through April 30, 2025.