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HELOC

Home > Borrow > Home Loans > HELOC
Home > Borrow > Home Loans > HELOC

Leverage your home to pay for large expenses

A Home Equity Line of Credit (HELOC) with NGFCU offers a reliable and economical source of ready cash for home improvements, auto purchase, wedding expenses, bill consolidation or any other large consumer purchase.

A HELOC provides a revolving line of credit up to $250,000, secured by home equity. Borrowers accrue interest only on the amount of HELOC funds advanced. A HELOC has one of the lowest variable rates available, but a very low fixed rate on qualifying individual draws is also available.

Qualifying properties include owner-occupied, 1-4 units in select states.

Get the funds you need for any purpose

A HELOC provides many benefits to NGFCU members:

  • Obtain cash for virtually any expense
  • A generous $650 allowance to cover application fees and closing costs (conditions apply)
  • A revolving line of credit up to $250,000 based on the equity
  • 10-year draw period
  • Low minimum monthly payment towards principal and interest
  • Establish specific advances with specific payoff terms
  • No pre-payment penalty
  • No yearly maintenance fee
  • Repayment term up to 15 years
  • Maximum rate increase cap of 3% per year and 6% for the life of the loan
  • Loan to value ratio up to 80%

* Required Fields

HELOC Consultation

Send the form below to receive a free, no-obligation HELOC quote. To request a home purchase or refinance consultation, please click here.

You are being asked for information relating to scheduling a consultation. Information you provide will be used for that purpose and will not be sold to other parties.

If you would prefer to speak to an NGFCU agent and receive a quote by phone, call 1.800.633.2848. Agents are available 24/7.

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Use our Loan Comparison calculator to sort through monthly payments, fees and other costs while comparing loan options.

Loan Calculator

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Ready to apply? It’s easy.

Just submit our secure Online Loan Application to set up a HELOC.

Apply Now

Important Numbers

Member Services: 800.633.2848 (available 24/7)

Credit & Debit Card Member Services: 800.633.2848 ext 4856 (available 24/7)

Credit Card Lost or Stolen: 866.839.3485
For International Calls: 727.570.4881

Debit Card Lost or Stolen: 800.754.4128
For International Calls: 727.227.9012

Credit Card Activation: 800.456.6870

Debit Card Activation: 855.485.7043

Members traveling or who reside outside of the US: 727.227.2447

Routing #322276088