Routing Number: 272483633 Personal Business Resources Advancing Lives Rates DIGITAL BANKING LOGIN Home Current Rates Current Home Equity Line of Credit Rates Current Home Equity Line of Credit Rates Rates effective as of November 27, 2021. Home Equity Line of Credit Combined loan-to-value 70% & below. Promo APR for 12 months2 1.99% Current APR as low as1 2.75% Combined loan-to-value 71% - 80%. Promo APR for 12 months2 2.49% Current APR as low as1 3.25% Combined loan-to-value 81% - 90%. Promo APR for 12 months2 3.49% Current APR as low as1 4.25% Apply Today Learn More 1 APR = Annual Percentage Rate. 2 Promotional APR 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. 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. Offer and rates effective November 27, 2021 and subject to change at any time. Floor rates and restrictions apply. All loans subject to credit approval. 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