HELOC Rate Lock

HELOC Rate Lock

Finance your next big project with an Apple Home Equity Line of Credit. Make your plans and apply now to lock your low rate until 2021*, and enjoy a 10-year draw period with interest-only payments!

Rates as low as
2.99% APR*

Rate adjusts in January 2021 based on the Prime Rate as published in the Wall Street Journal, currently 3.25% APR*, plus the margin, after the promotional period.

Apply Today!

*APR = Annual Percentage Rate. Offer ONLY available for NEW HELOCs applied for online and approved 04/01/2020 – 12/31/2020. You may not pay off or make payment to other Apple FCU loans, credit cards or accounts with these proceeds. Advances made between 04/01/2020 and 12/31/2020 will be locked at your approved promotional rate until 12/31/2020. Your promotional rate will not be adjusted until 01/01/2021. If your account becomes delinquent at any time during the promotional period, you will forfeit these promotional terms and the APR on the unpaid balance will be increased to the appropriate quarterly rate offered at that time as disclosed in your original note. On 01/01/2021, the APR will be adjusted to either your floor rate or the Prime Rate as published in the Wall Street Journal (whichever is higher) on 12/21/2020 plus or minus your current margin on the remaining balance and will be subject to change each quarter thereafter as stipulated by your original terms and conditions. Maximum interest rate 18.00% APR. Advance amounts must be within your existing credit limit. Advances in excess of your current credit limit will not be honored and may be subject to additional fees.