Make Summer Projects Happen With a Home Equity Line of Credit
Home Equity Line of Credit Special
Your home’s equity could help you take on the projects, plans, and possibilities ahead.
Make Summer Projects Happen With a HELOC
Summer is a great time to take on the projects and upgrades you’ve been thinking about all year. Whether you’re refreshing your home, tackling repairs, creating more outdoor living space, or looking for added financial flexibility, your home’s equity may be able to help.
For a limited time, RadiFi Credit Union is offering a Home Equity Line of Credit special with a 3.99% APR* introductory rate for the first 6 months, plus a closing cost credit up to $750 for qualified borrowers.
What Is a HELOC?
A flexible way to access the equity you’ve built in your home.
Use Funds When You Need Them
A Home Equity Line of Credit, often called a HELOC, allows you to borrow against the equity in your home. Unlike a traditional loan where you receive one lump sum, a HELOC gives you access to a revolving line of credit.
That means you can use funds as needs come up, repay what you borrow, and access funds again during the draw period. This flexibility can make a HELOC a helpful option for ongoing projects or expenses that may happen over time.
Summer Projects and More
From home updates to financial flexibility, your home’s equity can help.
Use Your Home’s Equity for What’s Next
A HELOC may be a good fit for:
- Home improvements or repairs
- Kitchen, bathroom, or flooring updates
- Outdoor upgrades, patios, pools, or landscaping
- Debt consolidation
- Education expenses
- Emergency expenses
- Major purchases
- Summer projects and plans
Whether you’re making your home more comfortable, preparing for future expenses, or creating more breathing room in your budget, a HELOC can give you flexible access to funds when you need them.
Special Introductory Rate
Take advantage of RadiFi’s limited-time HELOC promotion.
3.99% APR* Introductory Rate for the First 6 Months
RadiFi’s limited-time HELOC special gives qualified borrowers an opportunity to access their home’s equity with a special introductory rate.
With this offer, you can receive a 3.99% APR* introductory rate for the first 6 months. After the introductory period, the rate adjusts to the variable rate, which is currently 6.75% APR.
Qualified borrowers may also receive a closing cost credit up to $750, helping you make the most of this limited-time offer.
Why Choose a HELOC?
A HELOC can give homeowners flexibility for planned and unexpected expenses.
A Flexible Alternative to Other Borrowing Options
For homeowners, a HELOC may offer more flexibility than other borrowing options. Because the line of credit is secured by your home, it may provide access to funds at a lower rate than many unsecured loans or credit cards.
A HELOC can also be especially useful when you do not know the full cost of a project upfront. For example, if you are completing renovations in phases or planning several home updates over time, a line of credit allows you to draw funds as needed instead of borrowing everything at once.
Local Credit Union Support
RadiFi is here to help guide you through the process.
Local Guidance for Your Home Equity Line of Credit
When you choose RadiFi for your Home Equity Line of Credit, you get more than access to funds. You get local support from a team that is here to help answer your questions and guide you through the application process.
We understand that using your home’s equity is an important financial decision. Our team can help you review your options, understand the process, and determine whether a HELOC may be the right fit for your needs.
Ready to Apply?
Make your home’s equity work for you this summer.
Ready to Make Waves With Your Home’s Equity?
Your home’s equity could help you take on the projects, plans, and possibilities ahead. Apply today for RadiFi’s limited-time Home Equity Line of Credit special and see how your home can help you do more this summer
Ready to Use Your Home’s Equity
Whether you’re ready to apply or still have questions, RadiFi is here to help you take the next step toward making you home’s equity work for you.
Disclosures
*APR = Annual Percentage Rate. Promotional Home Equity Line of Credit introductory rate is available for new HELOC applications submitted from July 1, 2026, through September 15, 2026. Introductory APR applies for the first 6 months from the funding date and is not based on the index and margin used for future rate adjustments. The maximum introductory APR is 3.99%. Offer applies to new loans only and does not apply to mortgage loans already financed by RadiFi Credit Union.
After the introductory period, the APR will adjust to a variable rate based on The Wall Street Journal Prime Rate, plus or minus a margin. As of July 1, 2026, The Wall Street Journal Prime Rate is 6.75%. Variable rate is subject to change annually. The maximum APR is 15.00%, the minimum APR is 3.25%, and the maximum annual rate increase is 3.00%. The actual rate will be the greater of the current index rate plus the margin or the minimum rate floor. Displayed rate is for borrowers with excellent credit. Other rates and terms may apply.
Home Equity Line of Credit terms are based on 80% loan-to-value, with a 20-year term consisting of an 8-year draw period and a 12-year repayment period. Payments are amortized based on the remaining term of the loan and are recalculated after each advance and/or annual change to the index rate. For example, during the introductory period, the monthly payment on a $25,000 loan would be $152. After the introductory period, the monthly payment on a $25,000 loan would be $191, based on the current variable rate.
RadiFi Credit Union will pay closing costs up to $750 for qualified borrowers. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years. Closing cost credit applies only to standard, actual closing costs and is subject to change or withdrawal at any time without prior notice. Closing costs and a $400 origination fee may apply. Fees to open the line of credit may range from approximately $800 to $2,500 or more depending on loan amount and property location. A $5,000 minimum initial advance is required at closing.
Minimum loan amount is $5,000. Maximum loan amount is $250,000. Offer available for owner-occupied primary residences located in Florida or Georgia only. Property insurance is required, including flood insurance if applicable. Credit qualifications apply and membership is required. Consult a tax advisor regarding deductibility of interest. Rates, terms, and conditions are subject to change without prior notice. Additional restrictions may apply.