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.
4.99% APR Intro Rate for the first 12 months!*
(as low as 8.50% APR after)
Radiant HELOC Loans feature:
- 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
HOMEOWNERS INSURANCE
If you change companies for your homeowners insurance please upload the new policy information.
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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*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 +0.50; Minimum APR 4.50% - 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. Membership with Radiant Credit Union requires a savings account with a minimum balance of $5.00. If Radiant Credit Union pays your closing costs and you pay off and close your line within 36 months of opening, you must reimburse Radiant Credit Union for the amount of the fees paid by us. Closing costs generally total between $0.00 and $2,500.00. Radiant Credit Union is federally insured by the NCUA.
