Your HELOC, or Home Equity Line of Credit, is an open-ended revolving line of credit.

If you have existing loans with a high interest rate, using the equity in your home to pay off your debt can be beneficial. Pay off your:

  • credit card debt
  • student loans
  • auto loans
  • any other loans

If using the equity in your home for debt consolidation is right for you, you could save a significant amount in interest, and also have the convenience of your debts being wrapped up into one payment. What could your monthly payments be?

When you consolidate debt with a Home Equity loan, you can:  

 â€‹borrow up to 100% of your home's equity
 have one monthly payment of only 1% of your balance (with a $50 minimum)
 get a low rate of only 3.40%

You can also use your equity for items such as home improvements, education, and travel expenses. Looking for a longer fixed term? We also have a 10-year fixed HELOC as low as 3.90% APR1View more rates and terms.

Speak with an expert before you apply. Fill out the form below, and a representative will contact you.

    APR = Annual Percentage Rate. Rate is fixed for first five years of the plan, and after the five-year (60-month) term expires, the rate is variable and the maximum APR is 21%. For a $30,000 five-year fixed HELOC at 3.40% APR, the monthly payment will be $300 (taxes and insurance premiums not included). Includes Loyalty Discount of 0.25% APR when enrolled in direct deposit of net income and automatic loan payments from your Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term. Add 2.50% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply. 

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    Home Rates

    • 5 yr Fixed HELOC


      Loyalty APR*

    • 5 Year Fixed Home Equity


      Loyalty APR*

    • 30 Year Fixed Rate Mortgage
      as low as



    • 15 Year Fixed Rate Mortgage
      as low as



    • 5 Year Adjustable Rate Mortgage



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    *APR = Annual Percentage Rate

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