Home Equity Line of Credit

Limited-Time HELOC Offer

Take advantage of this special offer:

• 1.99% introductory APR* for the first 6 months
• 4.99% APR* after intro period
• Flexible access to funds as you need them
• Local decisions and support from a team you can reach

This offer is available for qualifying borrowers and applies to HELOCs starting at $20,000.

Fund the upgrades you’ve been dreaming about

Your home already holds value. A Home Equity Line of Credit from Element Federal Credit Union helps you put it to work.

Whether you’re planning updates, consolidating debt, or covering an unexpected expense, a HELOC gives you flexible access to funds when you need them.

Right now, you can take advantage of a low introductory rate and competitive ongoing APR designed to keep things manageable from the start.

A Smarter Way to Use Your Home’s Equity

With a HELOC, you borrow only what you need, when you need it. That means more control, less stress, and a financing option that fits real life.

Use your line of credit for:

• Home improvements and renovations
• Debt consolidation with potentially lower rates
• Emergency expenses or unexpected repairs

Built for  Homeowners

This HELOC offer is available for homes located in West Virginia, with lending decisions made right here in your community.

That means quicker answers, clearer communication, and service that actually feels local.

Get Started Today

It only takes a few minutes to apply.

Use offer code GLOWUP and take the first step toward funding your next project.

*APR = Annual Percentage Rate. All loans are subject to approval and collateral evaluation. Rates, terms, and conditions may vary based on creditworthiness, loan-to-value, and other factors. Introductory rate applies for the first 6 months, after which the standard APR applies. Property insurance is required; flood insurance may be required. Membership eligibility required. Offer subject to change or end at any time. NMLS# 810050. Equal Housing Lender.