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Routing # 211885946

Home Equity & HELOC

Unlock the possibilities of your home's value.

Apply Now  Rates  meet our team

Your home’s equity can be used to benefit you! Use to consolidate debt, enhance your home (install your dream pool), or pay college tuition. There are so many different ways to take advantage of this special low interest rate product.

For more information and to apply contact us at 413-730-4152 or MyHome@PVCU.org.

 

Home Equity Line of Credit

We make it easy for you! Self-manage on your own terms and access your money at any time—write a check or just transfer your cash to your Checking Account online with no closing costs*.

Best For:

  • Members who are interested in applying ONCE & accessing their cash at ANY TIME a within 10 year period
  • Members who prefer to self manage their line of credit on their own time

Borrow Up To
80% of Home's Value

Term
Varies

HELOC Calculator

Special Offer Exclusively for Pioneer Valley Credit Union Members:

GET A SPECIAL OFFER OF 1.90% APR* FOR 12 MONTHS! After, special rate adjusts to as LOW as 3.00% APR*.

Apply Now

 

Fixed Home Equity Loans

Let your home do the hard work for you with no closing costs*.

Best For:

  • Members who are interested in fixed payments and interest rates
  • Members who are interested in a lump sum up front

Borrow Up To
80% of Home's Value

Term
20 Years

Apply Now

**The Annual Percentage Rate (APR) of 1.90% is a fixed rate for the first 12 months. 1.90% APR Promotional Rate for the first 12 months then variable APR as low as 3.00% APR. After Special Promotion, the rate will never go below 3.00% APR. After special promo, the APR offer will not exceed a variable rate of 18.00% APR based on creditworthiness and other factors. Rate becomes Prime Rate as published in the Wall Street Journal’s Money Rates Table minus .25%. We lend on primary residences in Massachusetts and Connecticut.

Property insurance is required and is not included in closing costs. Initial draw from your Line of Credit must be a minimum of $5,000. After initial draw, a $1,000 minimum is required each draw thereafter. Minimum monthly payment is $50. Other rates and terms available. Offer may be discontinued or changed at any time.

*If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf.