Home Equity Line of Credit (HELOC)

Turn your home’s VALUE into Holiday CASH

Rates start at 2.49% APR* for 6 months

Special LIMITED-TIME Home Equity Offer – Don’t wait!

Whether you’re covering gifts, travel, or paying off post-holiday expenses – your home’s equity can make it all possible!

Make the holidays brighter with extra cash in your pocket by applying for a Home Equity Line of Credit (HELOC) with Destinations Credit Union.

2.49% APR* fixed for the first 6 months
4.99% APR* fixed for 7-12 months
Then, a variable APR* based on Prime + a margin¹
PLUS, we’ll pay your Basic Closing Costs²

You’ve worked hard for your home — now let your equity work for you to bring you peace of mind!

General Home Equity Line of Credit Information & Potential Benefits

Access the equity you’ve built in your home with competitively low, variable rates. Finance major home improvements, education expenses, medical expenses, and much more!

Funds are conveniently available as needed without reapplying
Revolving credit – as the principal is repaid, more is available to re-borrow
The interest paid might be tax-deductible¹
Only pay interest on the part that’s used
Set up payroll deduction for easy repayment
Local Baltimore-area decision-making and processing
Helpful, dedicated service from start to finish

Please note that in accordance with 12 CFR 1002.5(d)(2). Income derived from alimony, child support, or separate maintenance payment need not be revealed if the applicant does not want the creditor to consider the information in determining the applicant’s creditworthiness.

*Special Introductory Annual Percentage Rate (APR) of 2.49% is fixed for the first six months from closing and from months 7 – 12, a fixed APR of 4.99% applies. After the Special Introductory period ends, the rate is variable based on Prime. Rates as of November 10, 2025 are 7.00% – 8.25%. Maximum APR is 18.00%. Applications must be received by January 31, 2026 and loans must be closed and funded by March 31,2026. Offer for Owner-Occupied primary residences only. Other restrictions may apply. Property and Hazard insurance required; flood insurance may be required. DCU will advance the basic closing costs for members with Preferred checking account on any primary or secondary home loan of $150,000.00 or less that remains open for at least three years from the date of closing. Consult with your tax advisor on possible tax benefits. The borrower is responsible for the closing and appraisal costs, typically between $455 – $845. Additional fees may apply. Applications are subject to approval and meeting credit union eligibility requirements. Offer and rates subject to change at any time. Borrow responsibly. Borrowing against your home’s equity reduces your available equity and may increase your overall debt. For a better understanding of Home Equity Lines of Credit, please read: What you should know about Home Equity Lines of Credit. Consult a tax advisor regarding the deductibility of interest. Contact us for full details and eligibility requirements.