Shades of Element Home Equity

Get-R-Done This Spring with a Home Equity Line of Credit

New deck out back? Not impossible. Putting in a pool? Definitely doable. Removing the teddy bear wallpaper that came with your house? …Gotcha covered (and it’s a good thing!). Get moving on your home projects with the help of your equity – we’re offering an introductory rate as low as 1.99% APR* for 12-months on our Home Equity Lines of Credit. Plus, pay NO closing costs!**

What you’ll get when you choose Element for a Home Equity Line of Credit:

An affordable way to pay for whatever you need. Folks use home equity products to upgrade or repair their homes, make a large purchase, or even consolidate credit card debt!

Easy-peasy applications. Submit your loan application conveniently, safely, and comfortably from your couch…real pants not required

A 12-month introductory rate as low as 1.99% APR.* Low rates matter because this means you’ll pay less in interest over the life of your loan and enjoy a more affordable monthly payment.

A financial institution that feels like home. We don’t send your loan off to some other office states away. We’re local to Charleston, West Virginia, made up of your friends and neighbors. Bank at a place where you’re free to be uniquely you.

No closing costs.** These are often 2-5% of the loan when charged by other lenders. Not here! 

Here’s what a few of our 5,200+ members have to say:

Emily, Lending Manager
Emily, Lending Manager

Start tackling your next project today.

Let’s talk home equity and how it can help you check off your home to-do list. Apply online now or contact us directly if you have any questions before beginning the process.
*Closing costs waived for closed-end Home Equity Loans. Offer subject to change without notice. Subject to credit approval and collateral evaluation. Loans only available for homes located in the state of West Virginia. Maximum loan-to-value (LTV) of 80%. Property and/or flood insurance is required. Additional restrictions, limitations, and exclusions may apply. Contact the credit union for additional details. **APR = Annual Percentage Rate. Subject to approval. 1.99% APR for the first 12-months. Thereafter, a variable APR will apply based on most current rates. As low as 1.99% APR assumes A+ credit and LTV under 80%. Minimum floor rate of 1.99% APR, maximum 18.00% APR. Rates/terms vary based on LTV, amount, term, lien position, and credit qualifications. Offer not available for refinances of existing Element home equity loans. Property insurance required; flood insurance may be required. Offer subject to end at any time. May not be combined with other offers. Contact credit union for details. Equal Housing Lender.