Visions Federal Credit Union

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Visions Federal Credit Union

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Home Equity Line of Credit

You've earned it.

Visions Federal Credit Union

Ready to apply for your loan? First, you need to be a member with a VisionLine ID.

Log In here with your VisionLine ID:

Current member who needs a VisionLine ID? Click here to register.

Not a member yet? Take just a few minutes and join online through VisionLine, our online banking system and then you can apply for the loan. Click here to join.

Home improvements, lower credit card bills, college, even a special vacation: Imagine all the things your home could do for you.

Yes, homeownership comes with a significant cost. But it's also the best investment you can make.

A low-interest home equity line of credit (HELOC) is one of the best - and easiest - ways to take advantage of your most valuable asset. Your HELOC uses your home's value to put cash on hand for whatever you want, whenever you need it.

Unlike a home equity loan, a HELOC acts more like a credit card. You only take and pay interest on what you use. Browse our helpful articles and consider our competitive rates and flexible terms to determine if a Visions HELOC is the right move for you.


How does it work?

You've worked to build equity in your home. It's an investment, and a home equity line of credit can be the return.

A HELOC tends to have lower rates than other loans because the value you've built in your home acts as security.


How much can I get?

Appraised Value of Home:

Mortgage Balance:


A home equity line of credit with Visions lets you unlock your equity. This means the current market value of your home minus any first mortgage balance.

You've earned it, now use it. Your HELOC is there for what you need, when you need it: college expenses, home improvements, consolidation, or any other major expense.

With low rates and flexible options, a HELOC with Visions makes your home's equity work for you.


A low rate on a Visions HELOC means you can do more and spend less.

  • Prime rate1 minus 0.25% (monthly variable).
    • Minimum rate: 3%
    • Maximum rate: 15.8%


Be ready for life's unexpected events. You only pay for what you advance on a HELOC, so having a backup means you’re not paying more for that peace of mind. Limits2 are based on your combined loan-to-value, or CLTV. This means your appraised balance minus any first mortgage balance.

  • Combined LTV less than 80%: $500,000
  • Combined LTV 80.01-100%: $250,000
  1. Prime rate as quoted in the Wall Street Journal.
  2. All loan values are subject to change based on property location and creditworthiness. Limits based on combined loan to value (CLTV), calculated as appraised value minus first mortgage balance.

Home Equity Lines of Credit in New York, New Jersey, and Pennsylvania

Every single day, Visions works with people just like you to get the most from their homes. We serve over 185,000 members in 47 locations in New York, New Jersey, and Pennsylvania. We understand your financial needs because we live and work in your community.

Visions' home equity line of credit puts cash in your hands with low rates so you can handle life's big milestones and little surprises.

  • Consolidate credit debt
  • Make a home improvement
  • Pay college tuition
  • Take a vacation
  • Be ready for emergencies

What do I need?

The following documentation is required to apply for a home equity line of credit:

  • A copy of your deed.
  • Copy of current tax bills that show as paid.
  • Insurance binder with the premium amount listed.
  • One month of current pay stubs for each borrower.
  • Proof of income for all borrowers.
  • Two years of W-2s or two years of tax returns.

Helpful HELOC Articles

Unlocking Your Home's Equity
Home ownership has benefits. One of those benefits is the ability to use the equity you've built for other financial needs such as home improvements.

Home Equity Loan vs. Home Equity Line of Credit (HELOC): What's the Difference?
People who own homes sometimes need money for those things that life throws your way. The good news is that homeowners can tap into the equity of their home to get the money they need in one of two ways.

Benefits of Home Equity Loans and Lines of Credit
When considering if and when to use your home's equity, it's important to know the potential benefits. Here's a list for you to consider.