Home Equity Line of Credit

Perfect for your home improvements, debt consolidation, or vacation of your dreams.

Home Equity Line of Credit

Super Flexible. Always Ready. Credit Card Simple.

A Home Equity Line Of Credit (also known as a HELOC), is a great way to leverage the equity in your home for financing home improvements, consolidating high-interest debt, having an emergency fund, or financing a special vacation or event. Best of all, your payments are based only on what you borrow.

At Radiant, our Home Equity Line of Credit also comes with our HELOC Credit Card. It works just like a credit card but accesses your line of credit directly – saving you from buying what you need, then transferring funds to your checking or credit card to cover the expense.

Closing cost paid on loans over $25,000*
Easy online application and document uploads
HELOC Credit Card to access funds
Adjustable and fixed rate options
All payments apply to principle and interest

MORTGAGE APPLICATION CHECKLIST

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HOMEOWNERS INSURANCE

If you change companies for your homeowners insurance please upload the new policy information.

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GET MORE FROM YOUR HOME

Did you know that you can use your HELOC for more than just home improvement projects? Read on for a list of ways to use your Home Equity Line of Credit to improve your life and financial well-being.

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Disclosures

*Offer valid for Radiant Adjustable-Rate Home Equity Line of Credit and is subject to change without notice. Subject to credit approval. Property insurance required. The introductory rate in effect for the first 12 billing cycles. After 12 months, the variable Annual Percentage Rate (APR) is as low as Prime Rate +.50; Minimum APR 8.00% - Maximum APR 18.00%. $10,000 minimum initial draw required. Subsequent advance minimum $100. Rates are determined by your credit worthiness and loan-to-value of your home. Offer not valid for refinancing of existing Radiant Credit Union loans. Must be a Radiant Credit Union member to borrow. For lines greater than $25,000, Radiant will pay typical closing costs. If you pay off and close your line within 36 months of opening, you must reimburse Radiant Credit Union for the fees paid by Radiant. Closing costs generally total between $0.00 and $2,500. Radiant will not pay typical closing costs for lines less than $25,000. Radiant Credit Union is federally insured by the NCUA. Equal Housing Lender.

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.

Home Equity Line of Credit

Perfect for your home improvements, debt consolidation, or vacation of your dreams.