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Get the refreshing feeling of that new pool you've always wanted, the home improvement project you've been meaning to get done, or even that debt consolidation to free up some extra cash every month. With an easy to secure Home Equity Loan or Line of Credit, the possibilities are endless. Enjoy financing up to 125% of the value of your home, local underwriting and processing, which means you won't have to wait weeks for a decision or your funds.

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  • Easy to apply
  • Affordable payments
  • Low fixed rates
  • Borrow up to 125% CLTV*
  • Various financing options
  • 7, 10 and 15 year terms
  • Interest may be tax deductible**
  • $1,000 off closing costs***
  • Use funds for most anything
  • Local underwriting
  • Available to Florida residents only
  • Credit life and disability protection available
  • Convenient Online Payment - Learn More

*CLTV equals Combined Loan to Value. Loans of 100-125% CLTV is available for home improvements only. Over 90% CLTV = 1.00% increase in qualifying rate.

**Consult your tax advisor.

***Closing costs offer good up to $1,000. Pre-payment penalty applies if paid in full within 12 months. Offer applies to new home equity loans and does not apply to those already financed with Alive Credit Union. Upon request, we will provide an itemization of the costs. Property insurance is required, including flood insurance if applicable. Must be owner-occupied primary residences located in the State of Florida. Pre-payment penalty for those paid in full within the first year. All terms are subject to change. Subject to credit approval, documentation, and security requirements. NMLS#422880

It's easy to plan for major purchases such as a home improvement project or college, but you should also be prepared for life's unexpected expenses. The equity in your home is an easy way to be ready for those untimely emergencies or that weekend project that turns into a major remodel. A home equity loan or LOC is easy to secure and we offer financing up to 100% of the value of your home*.

  • Ready line of credit
  • Adjustable rate of interest
  • Borrow up to 100% CLTV*
  • 20-year term
  • 10-year draw period
  • First Advance: $10,000
  • Subsequent Advances: $500
  • Interest may be tax deductible**
  • Use funds for most anything
  • $1,000 off closing costs***
  • Easy access to funds when you need them
  • Pay interest on only what you use
  • Use it again with no need to re-apply
  • Local underwriting
  • Available to Florida residents only
  • Restrictions may apply

*CLTV equals Combined Loan to Value. Lines up to 100% CLTV available. Over 90% CLTV = 1.00% increase in qualifying rate.

**Consult your tax advisor.

***Closing costs offer good up to $1,000. Pre-payment penalty applies if paid in full within two years. Upon request, we will provide an itemization of the costs.

The APR will be based on Prime Interest Rate published in The Wall Street Journal (the index), plus a Margin based on your credit worthiness. As of March 19, 2020, the Prime Rate in the Wall Street Journal is 3.25%. The APR will never be more than 18.00% or fall below 3.50%. All balances will accrue interest at a variable APR, which can adjust on the first day of each quarter based upon the Prime Rate published in The Wall Street Journal. There is no limit on the amount by which the APR can change during any one year period. A $10,000 minimum initial advance is required. Credit line is subject to credit approval, documentation, and security requirements. Property insurance is required, including flood insurance if applicable. Applies only to owner-occupied primary residences located with the State of Florida. All terms are subject to change without prior notice. Offer applies to new home equity lines of credit and does not apply to those already financed with Alive CU. Pre-payment penalty for those paid in full within 24 months. NMLS#422880

  • Low fixed rates
  • Easy access to funds when  you need them
  • Use funds for most anything
  • Pay interest only on what you use
  • 15-year term
  • 10-year draw period
  • Borrow up to 90% CLTV*
  • First Advance: $10,000
  • $1,000 off closing costs**
  • Available to Florida residents only
  • Use it again with no need to re-apply
  • Local underwriting

*CLTV equals Combined Loan to Value. Lines up to 90% CLTV available. Over 90% CLTV = 1.00% increase in qualifying rate.

**Closing costs offer good up to $1,000. Pre-payment penalty applies if paid in full within two years. Upon request, we will provide an itemization of the costs.

The APR will be based on Prime Interest Rate published in the Wall Street Journal (the index), plus a Margin based on your credit worthiness. As of March 19, 2020, the Prime Rate in the Wall Street Journal is 3.25%. The APR will never be more than 18.00% or fall below 3.50%. A $10,000 minimum initial advance is required. Credit line is subject to credit approval, documentation, and security requirements. Property insurance is required, including flood insurance if applicable. Applies only to owner-occupied primary residences located with the State of Florida. All terms are subject to change without prior notice. Offer applies to new home equity lines and does not apply to those already financed with Alive CU. Pre-payment penalty for those paid in full within 24 months. NMLS#422880

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