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HOME EQUITY LINES OF CREDIT

Tap into your home's equity

Use a Park View Home Equity Line of Credit (HELOC) to renovate your home, consolidate debt, or prepare for unexpected expenses.

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Hybrid Home Equity Line of Credit (HELOC)

One line of credit. Two rate options.

  Stability of a fixed rate & payment1

  Lock a portion of your balance1

  Easy access to home's equity

  Use equity how you choose

  Discover more details!

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Home Equity Line of Credit (HELOC)

Borrow what you need, when you need it.

  Variable-rate & payment, based on prime2

  Lower initial monthly payments

  Easy access to funds

  Use what you need

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We Also Offer

  Home Equity Loans

  Hybrid Mortgages

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Why choose a Park View HELOC?

Competitive rates, no hidden charges

No pre-payment penalties. No annual maintenance fees.
Hybrid HELOC - pay a fee every time you lock in a segment.

Only pay interest on what you use

If you have a $25,000 credit limit and only use $10,000, you will only pay interest on the $10,000.

Potential home renovation tax benefits3

Some renovations may qualify as a tax-deductible expense. Consult your tax advisor.

Choice of fixed & variable rates1

Lock in all or a fixed portion of your balance with our Hybrid HELOC or opt for a variable rate with our regular HELOC.

So, what is equity?

EquityGraphic

Equity is the current value of your home minus the amount you still owe on your mortgage

Take advantage of your home's equity

HELOC Reasons(

Use the equity in your home to pay for some of life's larger expenses such as home improvements, debt consolidation, education expenses, and unexpected expenses.

1Hybrid Home Equity Line of Credit (HELOC) allows a member to create up to five (5) fixed loan segments with a minimum of at least $5,000 for each segment. Up to $100,000 can be a fixed-rate segment. Fixed terms will be based on the existing rate of the HELOC at the time of segment creation. The remaining balance, if not locked into a fixed segment, will continue to have a variable rate and payment that may change over time. The fee structure remains the same as the regular HELOC initial loan application. There is a $25 fee to set up each segment. For qualified borrowers only. Contact Park View for full details.
2Home Equity Lines of Credit (HELOCs) are variable-rate lines. The Annual Percentage Rate (APR) is based on the Wall Street Journal (WSJ) Prime Rate (index), plus or minus a margin determined by factors such as your creditworthiness and collateral value. The APR may adjust monthly and can change over time as the WSJ Prime Rate changes. As of August 1, 2025, the WSJ Prime Rate is 7.50%. The APR will not exceed 18% at any time during the life of your account. Best rates available only to the most qualified borrowers. The APR reflects the cost of credit as a yearly rate and does not include costs other than interest. Your rate and payment may vary based on changes to the index and your margin. 2Consult a tax advisor regarding the deductibility of interest.
3Consult a qualified tax advisor for guidance regarding your specific situation. Park View FCU does not provide tax advice.
Please refer to our Home Equity Early Disclosure for important terms and conditions of our HELOC plans.