Unlock Your Home’s Potential

Home Equity Line of Credit with No Closing Costs¹

A Home Equity Line of Credit (HELOC) from Health Advantage Credit Union gives you convenient, affordable access to the equity you’ve built in your home — all at a competitive rate and with flexible terms designed to meet your needs.

Whether you're planning a home improvement project, consolidating debt, covering education costs, or preparing for a big life moment, a HELOC can be a smart, affordable way to borrow.

Our HELOC offers:

• No Closing Costs¹ unless an appraisal is required
• Competitive Rates and flexible terms
• Easy Access to funds when you need them

Utilize one of your most powerful assets, your home's equity, to finance major expenses. Your home is more than just a place to live—it’s a valuable resource. Let it work for you.

Variable Rate HELOC

• Quick approval process
• Personal service to help you match your goals
• 15-year amortization

Variable HELOC Rates

Fixed Rate HELOC

• Same personal service
• Up to 80% LTV
• 10-year amortization

Fixed HELOC Rates

Your Plans, Your Pace

A HELOC puts you in control. Use your line of credit for one-time expenses or as a financial safety net for unexpected costs. Common uses include:

• Kitchen or bathroom renovations
• Roof replacement or landscaping
• Tuition payments or college costs
• Debt consolidation to reduce high-interest payments
• Emergency expenses

Let’s Get Started

The application process is simple, and our team is here to help every step of the way. We’ll guide you through your options and help determine what borrowing amount and repayment structure fits your goals.

Questions? Contact our Financial Services Department by email,* by phone at 989-791-7070 ext. 3501, or visit a location near you.

We do not recommend sending confidential information such as account number or social security numbers by email.

Apply for a Home Equity Loan

¹ For a limited time, the credit union is waiving the Closing Cost Fee for Home Equity Line of Credit (HELOC) loans. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. Subject property must be in the state of Michigan. Member must still pay the appraisal fee of up to $525, if an appraisal is required. Flood and /or property hazard insurance may be required. Other restrictions may apply. All credit union loan programs, promotions, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503.