Home Equity Lines of Credit

Your home is your forever.

When life gets expensive, it's good to know you have something extra.

Sometimes, it might be as simple as paying a pile of bills. Other times, you might be carrying out a grand plan, like remodeling your home or paying for college. With a Home Equity Line of Credit, you can afford to get it all done with a low-cost line that you can use as you need.

  • Enjoy a rate as low as 3.99% APR* is an intro rate for 3 months from account opening
  • Revolving line with credit limit based on the equity in your home
  • Line of credit rates are based on the WSJ Prime Rate
  • Easily access your HELOC funds using checks, via online and mobile banking, or by visiting XCEL branches
  • Interest charges may be tax-deductible - consult your tax advisor for more information
  • No closing costs**

XCEL FCU is a credit union serving members in New Jersey, New York and across the country.