Achieve more financial flexibility. Our HELOC Plus puts you
in control, providing you with the money you need now and the peace of mind you’ll want later.

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What Can a PSECU HELOC Plus Offer You?

When it comes to your finances, you’re the expert. Our HELOC Plus, with no PSECU application or appraisal fees, lets you build the loan you need, offering you flexibility in:

Amount
Borrow only what you need. Ability to borrow up to 90% of the appraised value (80% for rental properties), less any liens on the property being mortgaged.
Rate
Choose a fixed- or variable-rate advance.
Access
24/7 ability to advance funds through our digital channels.

Choose the Best Advance Type For You

From home improvements to debt consolidation, this low-rate loan option provides flexible access to cash, right when you need it most. In other words, your to-do list just got more doable.

Fixed-Rate Advances

Fixed-rate advances offer peace of mind, allowing you to lock in a rate for the funds you advance.
  • $5,000 minimum advance
  • Limit of three fixed advances with outstanding balances

Variable-Rate Advances

Variable-rate advances are tied to the Prime Rate, which means rates and payments fluctuate with the market.
  • No minimum advance amount
  • No limit on the number of variable advances

Just Three Simple Steps to the Funds You Need

  • Determine how much you want to borrow (Minimum line of credit is $5,000).

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Current HELOC Plus Rates

Valid as of XX/XX/XXXX
Description APR* As Low As
HELOC Plus Variable Loan-to-Value up to 80% 7.75%
HELOC Plus Fixed Loan-to-Value up to 80% 8.25%
HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% 8.25%
HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% 8.75%

Rates "as low as" 7.75% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for variable advance(s) or fixed advance(s) will be equal to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the Prime Rate combined with a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate combined with a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the WSJ Prime Rate combined with a margin. Fixed Advance(s) are determined at the time of the advance. There is a 10-year advance period with a 20-year repayment period (5-year advance period with a 10-year repayment period on rental properties) from the date of the last advance. The minimum line of credit advance for a fixed rate advance is $5,000 with a limit of three fixed rate advances outstanding at one time. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

*APR denotes Annual Percentage Rate.

Compare Loan Products

View our Home Equity page to compare our three equity loan products.

Compare Products

Browse Common Questions

  • There are no PSECU application fees for equity loans or lines of credit, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a notary public. Late fees may apply.

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Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Have Questions? We're Here to Help

Need to talk to us directly? Call (800) 237-7328 or send an inquiry.

Resource Center

Personal finance resources from PSECU are free financial literacy resources for adults. Explore our free financial education resources on money management. Knowledge is power!

What Is Digital-First Banking?

Digital banking means accessing banking products and services via a bank or credit union's website or mobile app. However, digital-first banking with PSECU means so much more.

Support Center

The PSECU member support center is a helpful source of information for everything from the PSECU routing number to ordering checks, checkbook covers, and check registers.
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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member