Home Equity Lines of Credit (HELOCs)
Flexible access to funds when you need them most, backed by competitive rates and personalized service.
Why Choose a HELOC?
Turn Your Plans Into Action
Whatever the need, with a home equity line of credit (HELOC) from TVFCU, you can put your home’s value to work and make those plans a reality. A HELOC gives you flexibility and access to funds as needed, perfect for ongoing or seasonal expenses, including:
- Education expenses
- Home improvements
- Emergency reserves
- And much more!
Why Borrow From TVFCU?
Enjoy a Better Way to Borrow
Our HELOC isn’t just flexible, it’s backed by real people who live where you live and care about your goals.
- Exceptional rates
- No origination fees or prepayment penalties
- Easy access to funds, in person or online
- Local decision-making and processing
How to Get Started
Your Loan Is Just Clicks Away
We make it easy.
- Meet our mortgage team and apply today.
- Call us at 423-634-3600 with any questions or to request more information.
- Start a video call with our local mortgage experts today.
Frequently Asked Questions
A home equity loan provides a lump sum of money upfront with a fixed interest rate and fixed repayment schedule. A HELOC, on the other hand, gives you ongoing access to funds — you borrow what you need, when you need it — typically at a variable interest rate.
HELOCs are incredibly versatile. You can use the funds for:
- Home renovations or repairs
- Education expenses
- Medical bills
- Emergency funds
- Debt consolidation
- Travel or large purchases
- And more!
The amount you can borrow depends on the equity you’ve built in your home, your creditworthiness, and other financial factors. Our team can help determine your eligible limit during the application process.
Yes! You can start your application online. We’re here to make the process simple and stress-free.
Personal Banking Solutions
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Flexible Financing For Every Need
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