No Closing Costs* and Locked-In Rates on HELOCs
Affordable funding with no closing costs* and locked-in rates through 20261.
Make the most of your home’s value. Now through November 30, you can enjoy no closing costs* and a locked-in rate for all of 20261 when you open a HELOC with Apple FCU.
No Closing Costs*
Open a HELOC without the burden of traditional closing costs. Home improvements, paying off debt and funding an education just got more accessible.
Locked-In Rate for 20261
When you close on a HELOC now, you'll enjoy a fixed interest rate for the remainder of 20261. 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!
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.
What Do I Use a HELOC For?
A HELOC gives you access to flexible funds you can use for renovations, paying off debt and achieving life milestones. Keep reading to learn more ways your HELOC can support you.
*Pay no closing costs on any new HELOC when you apply between 10/01/2025-11/30/2026. 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 promotion in the past 12-month period are not eligible for the current promotion.
Apple FCU can offer equities for properties in 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. This plan has a variable rate feature, the annual percentage rate may change as a result. The annual percentage rate can change on the first day of the month. The Maximum ANNUAL PERCENTAGE RATE that can apply is 18%. Under no circumstances will your ANNUAL PERCENTAGE RATE go below 3.99% during the term of the plan, if your TLTV at the time of approval did not exceed 70.00%. Under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.99% during the term of the plan, if your TLTV at the time of approval exceeded 70.00%. Maximum interest rate is 18.00% APR.
**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 10/01/2025 and 11/30/2026. Advances made between 10/01/2025 and 12/31/2026 will be locked at the guaranteed rate until 12/31/2026. Your guaranteed rate will be adjusted on 01/01/2027, and the new variable rate will be applied to the remaining balance and any future advances. Rate advertised is a variable rate. On 01/01/2027, 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 12/21/2026 plus or minus your current margin on the remaining balance. Thereafter as stipulated by your original terms and conditions. Advance amounts must be within your existing credit limit. Advances made 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 10 Year Advance period, the minimum monthly payment of interest only at the maximum APR of 18% for a month with 31 days would be approximately $152.88. The maximum amount of equity that anyone can apply for is $250,000 with a maximum TLTV of 90%.
Apple FCU can offer equities for properties in 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. This plan has a variable rate feature, the annual percentage rate may change as a result. The annual percentage rate can change on the first day of the month. The Maximum ANNUAL PERCENTAGE RATE that can apply is 18%. Under no circumstances will your ANNUAL PERCENTAGE RATE go below 3.99% during the term of the plan, if your TLTV at the time of approval did not exceed 70.00%. Under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.99% during the term of the plan, if your TLTV at the time of approval exceeded 70.00%. Maximum interest rate is 18.00% APR.
**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 10/01/2025 and 11/30/2026. Advances made between 10/01/2025 and 12/31/2026 will be locked at the guaranteed rate until 12/31/2026. Your guaranteed rate will be adjusted on 01/01/2027, and the new variable rate will be applied to the remaining balance and any future advances. Rate advertised is a variable rate. On 01/01/2027, 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 12/21/2026 plus or minus your current margin on the remaining balance. Thereafter as stipulated by your original terms and conditions. Advance amounts must be within your existing credit limit. Advances made 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 10 Year Advance period, the minimum monthly payment of interest only at the maximum APR of 18% for a month with 31 days would be approximately $152.88. The maximum amount of equity that anyone can apply for is $250,000 with a maximum TLTV of 90%.
Current Promotions
We’re Donating $1 Every Time You Use Bill Pay
Each qualifying transaction you make will help uplift our community.
Get $50 When You Open a New eXtras Student Savings*
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Pay No or Low Interest for 12 Months
Transfer a balance to an Apple FCU Credit Card and save on interest payments.*
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