Home Equity Line of Credit

Southland HELOC Prime

A Home Equity Line of Credit (HELOC) is a low-cost alternative to high-interest consumer loans and credit cards. You can borrow up to 90% of your home's appraised value* to do things you want to do such as home improvements, go on your long-overdue vacation—even pay off your credit card debt.

Since a HELOC is a revolving line of credit it allows you to access your funds when you need to. If you already have an existing HELOC with us, extending your current credit limit is easy, just apply for your new amount.



  • Variable Rates as low as Prime +.25%2
  • Flexible monthly payments
  • No Fees
  • No Points
  • Cash advances available any time, up to your available credit limit
  • Credit lines up to 90% of your home’s equity*
  • Line amounts up to $500,000
  • Convenient Access with HELOC Access Card

Table data for Home Equity Line of Credit (HELOC)
 Rates Effective 04-09-2020
Loan Type Rate Annual Fee1 Variable Index Closing Cost2 Advance Policy APR3 Maximum Loan Amount Alert Me
HELOC Prime + 0.250% $50 / Waived Prime Waived Up to 70.00% LTV 5.00% $500,000
HELOC Prime + 0.500% $50 / Waived Prime Waived 70.01-80.00% LTV 5.25% $500,000
HELOC Prime + 1.000% $50 / Waived Prime Waived 80.01-90.00% LTV 5.75% $125,000
Non-Owner Occupied add 1.25% with a max LTV of 70%.
  • 1Annual fee of $50, waived with a minimum of $10,000 outstanding balance for 30 days during the year.
  • 2HELOC Variable APR is based on Prime Rate of 5.25% + the margin rate stated above. Other rates may apply based on credit. Annual cap of 5% over fully indexed rate. Lifetime cap of 15%. Closing costs for the HELOC are currently waived (subject to change).
  • 3APR = Annual Percentage Rate. HELOC APR is calculated on $100,000 loan amount.

Limited Time Promotion: HELOC Intro Rate

Take advantage of our lowest home equity rates to make your project more affordable.

Advance more than $10,000 and receive an introductory rate of 2.99% APR* for the first 12-months!

2.99% APR

12-Month Intro Rate*

Apply Now

*Promotion Details

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TruStage® Auto & Home Insurance Program

You trust your Credit Union to make products and services available to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance companies, these programs can provide discounted rates exclusively for credit union members, with online services and 24/7 claims support.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Southland Credit Union.

TruStage Car and Home insurance.  You could save money.  Get a quote.


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