TAKE CONTROL OF YOUR
FINANCES WITH A
FLEXIBLE HELOC
With a PFCU Home Equity Line of Credit, you can cover any cost—from car repairs and vacations to back‑to‑school needs
*See disclosures below. Subject to credit approval.
Rates/terms may change.
Use for almost any purpose; draw multiple times as needed
Borrow against your home’s equity
Credit limits are based on your property’s value.
Introductory fixed rate
As low as 3.99% APR* for the first 12 months.
Flexible access to funds
Pay interest only on what you use.
HOW A
HELOC
WORKS
A Home Equity Line of Credit (HELOC) is a revolving line of credit that lets you borrow against the equity in your home, giving you flexible access to funds whenever you need them. Philadelphia Federal Credit Union’s HELOC offers years of borrowing power with just one simple application. Use your home’s equity as collateral to cover almost anything—from home repairs and vacations to tuition or major purchases. Borrow as much or as little as you need, whenever you need it, while enjoying competitive rates and flexible repayment options.
Access your funds easily via checks, Online or Mobile Banking, or at any PFCU branch. With interest-only payments on funds used and the ability to reuse repaid funds, your HELOC grows with your needs.
HELOC eligibility is available for homes in PA, NJ, NC, SC, DE, MD, or FL (not available for investment properties).
USE YOUR HELOC FOR:
Home improvements and renovations
Emergency or unexpected expenses
Debt consolidation for high-interest credit cards or loans
Tuition, school expenses, or educational costs
Major purchases like appliances, furniture, or vehicles
Vacation or travel expenses
Medical bills or healthcare costs
Seasonal or recurring household expenses
FAQs
Almost any purpose: home improvements, education, debt consolidation, emergencies, and more. Use, repay, and reuse within your credit limit.
Yes, a fixed 3.99% APR* applies for the first 12 months on new lines. After that, a variable rate as low as 7.25% APR* applies based on market rates and credit.
Homes must be located in PA, NJ, NC, SC, DE, MD, or FL. Not available for investment properties.
HOW MUCH COULD I ACCESS?
Estimate a potential line amount using a common example: up to 80% LTV (loan-to-value) minus your current mortgage balance. This is an estimate only; final limits depend on underwriting.
Example only; may not reflect PFCU underwriting policies. Closing costs, appraisal and other fees may apply.