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Routing # 211885946

Home Equity Line of Credit

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Your home’s equity can be used to benefit you! Use to consolidate debt, obtain security for emergencies, or pay college tuition with affordable monthly payments. There are so many possibilites to use this special low interest rate product.

For more information and to apply contact us at 413-730-4152 or

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 costs¹.

Special Offer Exclusively for Pioneer Valley Credit Union Members:

GET A SPECIAL OFFER OF 2.95% APR² FOR 12 MONTHS! After, special rate adjusts to as LOW as 3.00% APR³.

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


Apply Now


HELOC Calculator Home Equity Loans Rates

¹If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf . Closing costs will range from $450 - $700. 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. Not all applicants will qualify.

²The Annual Percentage Rate (APR) of 2.95% rate is an introductory rate. After the introductory 12 month period the rate will vary based on the highest prime rate published in the Wall Street Journal minus .25% with a floor rate of 3.00% APR and a maximum rate of 18% APR. Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf.  Additional terms and conditions apply.

³2.95% APR Promotional Rate for the first 12 months then variable APR as low as 3.00% APR. Not all will qualify for the lowest rate. After Special Promotion, the rate will never go below 3.00% APR.