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Loan Term Glossary

The beauty of a Home Equity Loan or Line of Credit is that interest paid is usually tax deductible* AND you can use the money for any purpose YOU choose - home improvements, consolidate debts, college education, vehicle purchase, or vacations. The greatest part of borrowing from your Credit Union is that you'll get the best deal in town:

• One easy payment
• Reduced paperwork
• Faster turn around
• Simple conversation, no complicated loan lingo
   

Home Equity Loan	Home Equity Line of Credit (HELOC)
Up to 10 year term	Rates as low as Prime MINUS 1/2%
	Up to $500,000 Line of Credit
	Up to 20 year draw period
	Up to 15 year payback period

*Please check with your tax advisor as tax advantages may apply. Adequate property insurance is required and only available on Virginia owner-occupied homes. Loan/Line must be secured by property located in VA. The variable Home Equity Line of Credit (HELOC) rate is based on The Wall Street Journal Prime Rate minus 1/2% and adjusts quarterly if the Prime Rate changes. The APR cannot exceed 16%. We do business in accordance with the Equal Credit Opportunity Act. Equal Housing Lender. All loans subject to credit approval. Loan rates based on the evaluation of an applicant's credit performance. Your rate may vary based on your credit performance.