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Tap into the treasure in which you live. Whether it's for unexpected medical bills or the vacation of a lifetime, a home equity loan is your smart solution. Find the funds to get you where you're going — right there in the place you call home — and use the equity you've built to secure a great low rate.

  • Use home equity loans to finance various projects
  • Leave savings and emergency funds intact
  • Borrow funds for a variety of needs1:
    • Debt consolidation
    • Home improvements
    • A dream vacation
    • And more!
  • Competitive low rates
  • Flexible terms for affordable payments
  • Potential tax advantages2
  • Receive funds in one lump sum
  • Prompt, local decision-making and processing
  • Helpful, down-home personal service

Utilize our HELOC Access Device, in the form of a Visa® Card1, 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.

1This Visa® card can be used for signature based or PIN based transactions with approved Home Equity Lines of Credit only. 

Why wonder when you can relax?

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.