Home Equity Loans
Loans & Mortgages Home Equity Loans

Home Equity Loans & Lines of Credit:
Put your home to work for you.

Home Equity Line of Credit (HELOC)

Unlock the value of your home and turn your equity into a flexible, easy to access, low interest credit line.

A recent survey revealed that smart homeowners use HELOCs for:

Home Improvement 57%   Purchase of a Second Home 12%
Debt Consolidation 39% Personal/Family Expenses 6 %
Vehicle Purchases 30% Travel/Leisure 5%
Appliances/Furniture 15% Medical Expenses 3%
Education 15% Business Expenses 1%

So, are you ready to take the vacation you've been dreaming of? Need to pay for your child or grandchild's education or wedding? How about a new car, home improvement, or credit card debt consolidation? Use a low interest home equity line of credit to create memories with your family, make that big purchase you deserve, or simply ease the burden of high interest debt.

Access your Athens Federal Home Equity Line anytime by simply writing a bank-issued checkwithdraw as little as $50 or as much as your entire balance for any purpose!


Home Equity Line of Credit draw period is 10 years (120 months) from date opened. Minimum $50 per draw. Refer to full HELOC terms and conditions for details.

Home Equity Loan

A fixed rate Home Equity Loan is a great way to pay for home improvements or consolidate debt. You will have the security of knowing your payment will be the same each month and the interest paid on your home equity loan may be tax deductible (consult your tax adviser for specific advice).

  Benefits

Home Equity Line of Credit

Home Equity Loan
Protection Fixed rate options offer peace of mind in an uncertain rate environment and when you want to know your payment will be the same each month.    •
Flexibility Enjoy access to your line of credit. Draw as little as $50 or as much as your entire balance anytime. As you pay down your balance, you will replenish your available line of credit. •   
Convenience Access your line of credit for purchases with Home Equity bank-issued checks. Similar to checks tied to your checking account, your funds are withdrawn directly from your Line of Credit.  

If you would like additional information about a Home Equity Line of Credit or Loan, please complete the short form below or contact a loan officer.

All loans are subject to credit approval and loan guidelines.

Want more information about a Home Equity Line of Credit or Loan? Let us know!

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