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A Home Equity Line Of Credit (HELOC) can help you with just about anything. It gives you the flexibility to get extra cash when you need it, while making payments on only the amount you use. It’s a great option to help pay for one-time, significant expenses.

  • Remodel your kitchen
  • Plan a wedding
  • Pay for college expenses
  • Other unexpected expenses

With rates still at historic lows, now is the perfect time to get a loan.


 During our limited time special, you can take advantage of:

  • Introductory rate of 1.99% APR* for 12 months
  • Rates as low as 4.25% APR* after 12 months
  • Borrow up to 80% of your home's loan-to-value ratio
  • We'll pay your closing costs on lines of $10,000 or more**
  • No Application Fee


Orlando Credit Union offers competitive rates and terms to help you achieve your goals.
If you are unsure which option is right for you, speak to a knowledgeable member service representative about your options.

Call 407.835.3500 or toll free 800.953.4567
Schedule your appointment to speak with one of our experts at a location near you.


*Offer expires 10/29/2021. Loan must book by November 15, 2021 in order to receive introductory rate. APR (Annual Percentage Rate). Rate for individuals with excellent credit history based on loan-to-value (LTV) ratio of 80% for a 25 year term with a 10 year draw period and 15 year repayment period. Introductory rate of 1.99% APR is fixed for 12 months. Minimum line of credit to receive introductory rate is $10,000. After 12 months, the rate will adjust to the then-current variable rate: Prime (3.25% APR (Index)) Plus 1.00% (Margin) which is 4.25% APR as of 3/16/2021 based on the Wall Street Journal Prime Rate. The rate cannot be more than 18.00% APR (ceiling). Rate after introductory period is based on Wall Street Prime rate, the borrower's creditworthiness and loan-to-value (LTV). Rates are variable. Payments may increase or decrease accordingly. Applicants subject to income verification. Property must be owner occupied, single family home located in Central Florida in the counties of Brevard, Hillsborough, Lake, Orange, Osceola, Polk, Seminole or Volusia. Applicant must carry adequate property and flood insurance (if required) on home securing the loan. The rate lock feature is not applicable to the introductory promotional rate.

**Closing Costs will be paid by Orlando Credit Union on Home Equity Line of Credit greater than $10,000. If the Home Equity Line of Credit is closed within 36 months, borrower must pay back closing costs. Closing costs range from $0 to $1,800, if full appraisal and title insurance is required.