Home EquityLine of Credit

Our Home EquityLine of Credit is there when you need it—simply access your funds by writing a check or using your Home EquityLine Visa® Platinum credit card. No interest is charged until the credit line is used.
(Home EquityLine of Credit is not available in Texas.)

Get Started

1Rate discount is applied after your application is accepted. Discount is available for new Equity Loan applications. You must set up and maintain monthly recurring automatic payments from your Navy Federal checking account for the life of the loan; otherwise, the 0.25% APR discount will be removed, and your loan will revert to the original note rate. The minimum APR that can apply during the Home EquityLine of Credit Plan is 3.99%.

2Special offer. Navy Federal will pay closing costs (excluding government recording charges and title insurance) on new Equity Loan applications (Fixed Equity Loans/Lines of Credit). Loans paid off and closed in less than three years from the loan origination date will require reimbursement of all closing costs paid by Navy Federal. For loan amounts up to $250,000, closing costs typically range between $150 and $900. The closing costs depend on the location of the property and the amount of the Equity Loan. Offer excludes Equity Loans/Lines of Credit used for a home purchase and the appraisal fee, if an appraisal is necessary.

3Home EquityLines of Credit are variable-rate loans. Rates as low as 3.99% APR and are based on creditworthiness, so your rate may differ. The plan has a maximum APR of 18%.

4Some restrictions may apply. The maximum combined loan-to-value for investment properties is 70%.