Home Equity Line of Credit Special
3.99% APR* for the First 6 Months
Regular variable rate as low as 6.75% APR thereafter
Tap Into Your Home’s Equity With a Special Intro Rate
Your home can help you do more this summer. For a limited time, qualified borrowers can take advantage of a 3.99% APR* introductory rate for the first 6 months and then a regular variable APR as low as 6.75% after the intro period on a RadiFi Home Equity Line of Credit, plus a closing cost credit up to $750.
A HELOC gives you flexible access to the equity you’ve built in your home, so you can use funds when you need them for projects, plans, and unexpected expenses.
Home Equity Line of Credit (HELOC) Special
A limited-time way to make the most of your home’s equity.
3.99% APR* Intro Rate for the First 6 Months then regular variable APR as low as 6.75%
Your home can help you do more this summer. With a RadiFi Home Equity Line of Credit, qualified borrowers can take advantage of a 3.99% APR* introductory rate for the first 6 months then a variable rate as low as 6.75% APR after the intro period, plus a closing cost credit up to $750. Use your HELOC for home improvements, repairs, outdoor upgrades, debt consolidation, or other major expenses.
Flexible Access to Funds
Borrow what you need, when you need it.
Use Your Home’s Equity for What’s Next
A Home Equity Line of Credit gives you flexible access to the equity you’ve built in your home. Instead of borrowing one lump sum, you can access funds as needs come up, making it a smart option for ongoing projects, unexpected expenses, or plans that happen over time.
Summer Projects and More
From home updates to financial flexibility, your HELOC can help.
Make Home Improvements, Cover Expenses, or Consolidate Debt
Use your RadiFi HELOC for home renovations, repairs, landscaping, pool projects, education expenses, emergency expenses, debt consolidation, or major purchases. Whether you’re improving your space or creating more breathing room in your budget, your home’s equity can help you move forward.
Local Credit Union Support
Guidance from a team that’s here to help.
A HELOC with Local Service and Credit Union Value
When you borrow with RadiFi, you get more than access to funds. You get local guidance, clear communication, and a team focused on helping you make confident financial decisions. We’re here to answer your questions and guide you through the application process.
Apply Today
Take advantage of RadiFi’s limited-time HELOC special.
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 Home Equity Line of Credit special and get flexible access to funds when you need them.
Ready to Use Your Home’s Equity
Wheter 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.
Home Equity Line of Credit Rates
|
Loan to Value Ratio |
Index Rate4 |
Margin |
Index Plus Margin |
APR2 |
|---|---|---|---|---|
|
¹ We offer a quick turnaround, up to $750 credit toward closing costs, an Annual Rate Cap2 that provides extra peace of mind, 8-year Draw Period, Low Margins over the Index Rate. Make sure to use your line of credit as inactivity fees3 apply!
2 Annual Percentage Rate. 3 $50 annual inactivity fee in January when prior YTD finance charges were less than $100. 4 Index: Variable rate subject to change annually based on prime rate as published in the WSJ (Wall Street Journal). Maximum rate is 15%, minimum rate is 3.25%. Maximum annual rate increase (Annual Cap) is 3% per year. Displayed rate for borrowers with excellent credit. Other rates and terms are available. The rate and APR are the same. The actual rate is the greater of the current index rate plus the margin or the minimum rate (floor). The minimum rate is 3.25%. Payment is amortized based on the remaining term on the loan and is recalculated after each advance and/or annual change to the index rate. For example, on a $25,000 loan, the monthly payment would be $191. APR = Annual Percentage Rate. Variable rate based on creditworthiness, loan-to-value, and other factors. Closing costs and a $400.00 origination fee may apply. Fees to open the line of credit may range from $800 to $2,500 or more depending on loan amount and property location. Property insurance required. Consult a tax advisor regarding deductibility of interest. |
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Loan to Value Ratio 0-80% |
Index Rate4 6.75% |
Margin 0.00% |
Index Plus Margin 6.75% |
APR2 6.75% |
|
Loan to Value Ratio 81-90% |
Index Rate4 6.75% |
Margin 0.25% |
Index Plus Margin 7.00% |
APR2 7.00% |
|
Payment |
Remaining Term |
Time of Advance |
|---|---|---|
|
First liens may require escrow of taxes and insurance which will increase the payment amount. |
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|
Payment $191 |
Remaining Term 20 Years |
Time of Advance At initial advance |
|
Payment $254 |
Remaining Term 12 Years |
Time of Advance End of draw period (max 8 years) |
Up to $750 credit for all home equity products
|
Loan Paid Off In |
% Of Closing Cost Reimbursed to RadiFi by the Borrower |
|---|---|
|
* All rates include up to $750 credit toward closing costs. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years. Closing cost fees may range from $800 to $2,500 or more based on the size of your loan. These fees are shown on the addendum to your note. Here is a list of the standard closing cost fees. Origination Fee: $400.00
Higher appraisal fees may apply on a case-by-case basis. Full appraisals are needed for loans over $150,000 and for LTVs above 90%. Title Fees:
State of Florida Documentary Stamps: .0035 times the loan amount.
|
|
|
Loan Paid Off In Less than 12 Month |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 100% |
|
Loan Paid Off In Less than 24 Months |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 50% |
|
Loan Paid Off In Less than 36 Months |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 25% |
Frequently Asked Questions
Yes—but it’s easy to join! If you live, work, worship, or attend school in Duval, Clay, St. Johns, Nassau or Baker County, FL—or just about anywhere in the U.S. through our partnership with the American Consumer Council—you’re eligible.
HELOCs are versatile and can be used for:
- Home renovations
- Debt consolidation
- Education expenses
- Emergency funds
- Major life events
The draw period is up to 8 years. The total payback period is a maximum of 20 years.
A HELOC is a revolving line of credit. You can borrow as much or as little as you need during the draw period, typically 5–10 years. You’ll make interest-only or minimal payments during this time. After the draw period ends, you repay the remaining balance during the repayment period.
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.