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Tap into the treasure in which you live. Use the equity you’ve built in your home to fund any project, plan, or dream.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Convert the equity in your home into cash you can use
  • Competitive rates for several short-term or one-time needs1:
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And much more
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • The interest paid might be tax deductible2
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish
  • Turn the equity in your home into ongoing, affordable financing
  • Competitive rates for many needs1:
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Funds easily available via HELOC Access Card3, in-person, or phone transfers to a specified ATCU checking account
  • The interest paid might be tax deductible2
  • Set up automatic payments to be deducted from your account monthly
  • Quick, local decision-making and processing
  • Talk about the quality of service
  • Attentive, friendly service from start to finish

HELOC Access Card

Utilize our HELOC Access Card3, in the form of a Visa® Card3, for added convenience! This card is accepted anywhere that accepts Visa® Cards, such as retail merchants, ATMs, and online transactions.   

If you wish to obtain our HELOC Access Card, visit any Alabama Teachers Credit Union branch. Should you have any questions, please contact Mortgage Services by calling 1.800.470.0704.

1In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).

2Consult a tax advisor.

3This Visa® card can be used for signature based or PIN based transactions with approved Home Equity Lines of Credit only.

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