Routing Number: 272483633 Personal Business Resources Advancing Lives Rates DIGITAL BANKING LOGIN Home Home Equity Loans Home Equity Loans Five Stars See Reviews | Write a Review Pay low to no closing costs, no annual fee, and no pre-payment penalty.1 Compare Home Equity Services Home Equity Line of Credit or Fixed Loan? We’ll guide you through your options and help give you quick access to financing. Home Equity Line of Credit Interest-only payments for 10 years; amortized repayment thereafter Promo rate for 12 months2 $0 annual fee $0 pre-payment penalty Low to no closing costs1 Accessible for a 10-year draw period Manage in Digital Banking Interest may be tax deductible3 Learn More HELOC Rates Apply Today Home Equity Loan 5, 10, or 15-year repayment terms Low fixed rate $0 annual fee $0 pre-payment penalty Single one-time draw Learn More Home Equity Rates Apply Today Home Equity Line of Credit As low as 1.99% 12-month Promo APR, as low as 2.75% APR after that.2 Learn More Home Equity Line of Credit rates. Rates effective as of November 27, 2021. Combined loan-to-value 70% & below. Promo APR for 12 months2 1.99% Current APR as low as 2.75% Combined loan-to-value 71% - 80%. Promo APR for 12 months2 2.49% Current APR as low as 3.25% Combined loan-to-value 81% - 90%. Promo APR for 12 months2 3.49% Current APR as low as 4.25% Apply Today Calculate a Payment Documents Needed Use your Home Equity Line of Credit for what you need, when you need it. Unexpected expenses Consolidate debt Make large purchases Home improvement Apply Today HELOC Rates Documents Needed We'll help you make this process quick and easy. Collect the below documents and apply online. Required documents for all applications: Hourly/salaried income (if applicable) Two most recent paystubs for each borrower and must include YTD income totals Two most recent W2s for each borrower (tax returns may not be used in place of W2s) Social Security/VA/pension income (if applicable) Most recent award letter, most recent 1099, or most recent two months’ direct deposit statements IRA/investment income (if applicable) Most recent 1099, or most recent two months’ direct deposit statements Most recent account statement showing the distribution amount along with the account balance Self-employed/rental income (if applicable) Most recent two years’ complete federal tax returns Current homeowners insurance declaration page with premium Most recent monthly mortgage statement (if applicable) Optional documents: If you wish to have alimony, child support or separate maintenance income considered as a basis for repaying this obligation: Award letter or two months' direct deposit statements Divorce decree/support order Trust documents (if applicable) Printable Checklist Home Equity FAQs Frequently Asked Questions about Home Equity. How is monthly payment estimated when the HELOC payment is interest only for the first 10 years of the loan? How do payments on a new HELOC work? Get the most out of your HELOC. Maximize your experience and take advantage of these additional products and services. Digital Banking SavvyMoney External Transfers ClickSWITCH™ Explore more great financial advantages. No matter what your financial goals and needs may be, we have a solution that will work perfectly for you. Checking Accounts Retirement Accounts CDs Financial Advisors 1 No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC). 2 Promotional Annual Percentage Rate with Combined Loan-to-Value of 70% or below on Advia’s Interest-Only Variable HELOC for the first 12 billing cycles after closing. Estimated monthly payment for a $10,000 HELOC during the promotional period for the following APRs: 1.99% = $16.35; 2.49% = $24.66; 3.49% = $28.68 (interest only), thereafter at non-promotional rate of 2.75% APR = $95.41. Minimum credit score of 740. Following the promo period of 12 months, the APR will revert to a variable rate, which may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. Ask about current rates. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and Combined Loan to Value (CLTV) of secured real estate at the time of application. 3 Consult a tax advisor regarding tax deductibility which is subject to change at any time. Some products and services may vary based on geographical region. Offer and rates effective November 27, 2021 and subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval. Equal Housing Opportunity. NMLS #401863. Advia Member Home Equity Line of Credit Reviews Nancy Review 5 Length of Use: Over 5 years Five Stars My recent HELOC application process was completely smooth and fast! Based on how much I borrowed, I had no closing costs and the entire process was completed in about 3 weeks. Would you recommend this product to a friend? Yes Would you recomend Advia CU in the future? Yes Follow Advia About Advia Careers Our Core Values Our Story Our Financial Soundness Our CEO Our Volunteers Contact Advia Headquarters: 550 S. Riverview Dr. Parchment MI, 49004 Toll Free: 844.ADVIA.CU (844.238.4228) Routing Number: 272483633 Download Our App If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 844.238.4228 for assistance. All products and services available on this website are available at all Advia Credit Union full-service locations. ©2021 Advia Credit Union Disclosures | Privacy Policy | Security | Accessibility | System Requirements Become a Member Apply for a Loan Chat With Us