No Closing Costs* and Locked-In Rates for 2025¹ on HELOCs 

New year. Fresh start. Endless possibilities.

A new year is the perfect time to invest in your future—and your home.

Whether you’re planning energy-saving upgrades, tackling a renovation or preparing for life’s surprises, a Home Equity Line of Credit (HELOC) is your gateway to achieving more in 2025.

Now through Nov. 30, you can enjoy no closing costs^* and a locked-in rate for all of 2025¹ when you open a HELOC with Apple FCU!

No Closing Costs^*

Open a HELOC without the burden of traditional closing costs! Your dream home improvements, investments or unexpected expenses just got more accessible.

Locked-In Rate for 2025¹

When you close on a HELOC, you'll enjoy a fixed interest rate for the remainder of 2025¹. What’s even better? If market rates decrease during the year, your rate will drop accordingly. Rest assured, your rate will never rise above the locked-in rate during the promotion period.

Why secure a HELOC through Apple?

Convenient Funding

Use your HELOC whenever you need it! Easily transfer funds from your HELOC to your Checking account for easy spending with your Debit Card or via Bill Pay!

Competitive Rates

Apple offers low, variable rates.

High Lines of Credit

We offer HELOCs as high as $250,000 with the maximum borrowing potential of 90% of your home’s total loan-to-value^** (TLTV). Calculate your home’s current TLTV.

Interest-Only Payments up to 10 Years

Enjoy interest-only, monthly payments for up to 10 years. Plus, your minimum monthly payment is based on the interest due for your current balance.

Find out what your home can do for you.

Prepare for all life’s expenses. Apply for Apple’s HELOC today!

^*Pay no closing costs on any new HELOC when you apply between 12/01/2024-11/30/2025. Your settlement statement at closing will reflect closing costs; however, you will receive a credit equal to the amount of the closing costs. To qualify for the promotion, the member must use the title company selected by Apple FCU. Member must still pay the appraisal fee if a full appraisal is required. Members who increase their existing HELOC by applying for a new HELOC will also qualify, with a minimum increase of $5,000. Applicants who have used any closing cost offer in the past 12-month period are not eligible for the current offer.

Apple FCU can finance equities for property within Virginia, Maryland, West Virginia, North Carolina and the District of Columbia. The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of Loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-788-4800 regarding the locations where HMDA data may be inspected. Applicable APR; if the APR is variable, a statement that the rate can change and the maximum APR under the plan; any applicable loan fees; and a statement that property insurance is required, if applicable. ^**Property values are based on the lesser of the current appraised value or Automated Valuation Model (AVM) with a property condition report. Independent appraisals not accepted.

¹APR =Annual Percentage Rate. Offer ONLY available for NEW HELOCs closed between 12/01/2024 and 11/30/2025. Advances made between 12/01/2024 and 12/31/2025 will be locked at the guaranteed rate until 12/31/2025. Your guaranteed rate will be adjusted on 01/01/2026, and the new variable rate will be applied to the remaining balance and any future advances. Rate advertised is a variable rate. On 01/01/2026, 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 12/31/2025 plus or minus your current margin on the remaining balance and will be subject to change monthly 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. If you had an outstanding balance of $10,000 during the Advance Period, the minimum monthly payment at the maximum APR of 18 % would be $150.00. Maximum loan amount is $250,000, with a maximum combined loan to value ratio of 90%.