All Provident Credit Union equity lines of credit include Equity Checks and a Provident Credit Union Equity Platinum Visa card, for very convenient access to your credit anytime,
for any purpose.
Prime Plus HELOC
This line of credit features a rate that is 0.75% above the Prime Rate and lets you access up to 75%* combined loan to value (CLTV), with lines up to $100,000.**
as low as 4% APR
If you have other qualifying accounts or products*** at Provident, that relationship turns your Prime Plus HELOC into a Relationship HELOC. Instead of adding 0.75% to the Prime Rate, your loyalty to Provident is rewarded with a rate that is 0.50% above the Prime Rate.**
Rates as low as 3.75% APR
5-Year Fixed Prime Plus HELOC
This loan features a low rate of 1.00% above the Prime Rate, and remains fixed at that rate for the first five years and then adjusts monthly. Access up to 75%* combined loan to value (CLTV), with lines up to $100,000.
Rates as low as 4.25% APR
5-Year Fixed Relationship HELOC
Like the Fixed Prime Plus HELOC, this loan features a low rate, and remains fixed at that rate for the first five years and then adjusts monthly. But, if you have other qualifying accounts or products*** at Provident, you receive a 0.25% rate reduction throughout the life of the loan.
Rates as low as 4% APR
For current rates and other details, see rates. Ceiling is 6% above the initial, fully indexed rate. Minimum line to apply for is $25,000.
* Certain restrictions apply for CLTVs over 65%. See rates page for details.
** This is a Variable Rate Loan: rate and payment will change monthly as the Prime Rate (as published in the Wall Street Journal) changes.
*** Contact us to obtain details on qualifying accounts.