Home Equity Line of Credit (HELOC) - Veridian

Home Equity Line of Credit (HELOC)

Explore a HELOC to fund your home improvements.

Renovate your home

use your heloc

Now is a good time to evaluate your living space and determine what home improvements will raise your quality of life.

Our 5-year fixed Home Equity Line of Credit (HELOC) is a great way to use the equity in your home to pay for almost anything, including home improvements. You could get a rate as low as 3.65%, and you only pay interest on the money you spend. Your monthly payment is only 1% of your balance, with a minimum of $50.

With a rate that’s guaranteed for the first five years, it’s an affordable way to improve your home whether you’re a DIY master or a pro at calling in a contractor.


When you fund your home improvements with a Home Equity loan, you can:  

 borrow up to 100% of your home's equity
 have one monthly payment of only 1% of your balance, with a minimum payment of $50.
 get a low rate of only 3.65%


You can also use your equity for items such as debt consolidation, education, and travel expenses. Looking for a longer fixed term? We also have a 10-year fixed HELOC as low as 4.15%View more rates and terms.

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 3.65% 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. 

APR = Annual Percentage Rate. For a $50,000 home equity loan amortized for 120 months and a 4.25% APR, the monthly payment will be $513 (taxes and insurance premiums not included). Add 2.0-2.5% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply. Loyalty Discount of 0.25% APR for enrolling in direct deposit of net income and automatic loan payments from a Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term.

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