HELOC: Time-Limited Intro Rate Offer!
- Low 3.99% APR* for the first 6 months!
Variable rate, thereafter, of 7.50%–9.50% APR* - 10-year interest-only draw period followed by a repayment period of 20 years1
- Closing Costs Waived
- No Prepayment Penalties2
This SPECIAL OFFER ends 9/30/26!
- Minimum Loan Amount: $25,000
- Maximum Loan Amount: $500,000
- Maximum Loan-to-Value: 80%
- Variable APR* after intro rate: 7.50%–9.50%
- 6-month intro APR* : 3.99%
Reasons for a HELOC
Home Improvement Projects
Large or Unexpected Expenses
Pay Medical
Bills
School Tuition
Costs
Terms & Conditions:
*APR=Annual percentage rate. Rate and terms effective 05/20/2026 and are subject to change without notice. After that, a variable APR of 7.50%–9.50% applies, based on creditworthiness
1) Home Equity Line of Credit (HELOC): Variable rate based on The Wall Street Journal Prime Rate plus a margin determined by credit score and loan-to-value (LTV). A 0.25% discount applies when your first mortgage is with AdelFi. Rate adjusts monthly, with rates as low as 3.99% APR and up to 18.00% APR. Full appraisal required if CLTV exceeds 80% — at borrower’s expense and not covered by promotional offers. Typical appraisal costs range from $500 to $900, and recording fees generally range from $75 to $250 depending on county and state requirements. Applications with LTV above 80% are subject to Loan Committee approval. If an existing HELOC is already secured by the same property, the new HELOC must be processed as a refinance; the Credit Union will not assume a third lien position.
2) No prepayment penalties: however, an early closure fee equal to any waived closing costs applies if the credit line closes within 36 months. All titled property owners must be listed as borrowers on the HELOC application. Applications may be delayed if all owners do not apply together. Property insurance required. Transfer taxes may apply and are the borrower’s responsibility.
A $25 one-time membership fee applies if you are not currently a member; fee waived if you open a deposit account within 30 days of loan approval. Not available in Texas. Visit adelfibanking.com/deposit-account.