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A Home Equity Line of Credit Can Get it Done.

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If you are not currently a member, please click here to review membership eligibility and account opening.

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HELOC Features

If you have equity in your home, a HELOC can offer security and peace of mind for years to come. Whether you have a planned home improvement project or an unexpected life event, you'll have the funds you need.

  • No Penalty Our Home Equity Line of Credit features no prepayment penalty.
  • Adjustable Rate Our HELOC is a competitively priced adjustable rate loan.
  • Access $150K Our Home Equity Line of Credit features funding options up to $150,000.
  • Closing Costs Our HELOC features low closing costs so you can count on extra savings.
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HELOC Rates

You can rely on our competitively priced HELOC rates to help you achieve your goals while keeping your monthly budget in line. 

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* APR – Annual Percentage Rate. Minimum is 4.00% and the maximum is 18%. The annual percentage rate is based on the value of an index. The index is the 26 week Treasury Bill. The annual percentage rate may change annually on the 1st day of June. The current 26 week Treasury Bill Rate is 4.73%. Maximum 80% combined loan to value based on an adjustable rate HELOC for a term of 12 years. The minimum loan amount is $10,000 and the maximum loan amount is $150,000. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans are subject to approval. Subject property must be your primary residence. Membership is required. Must be an existing member or eligible to become a member through our Field of Membership. Offer available in the states of Georgia and South Carolina. A $50 loan application fee is charged for processing. Other closing fees apply and will be disclosed at the time of application. We do business in accordance with the Federal Fair Housing Law and Equal Housing Opportunity Act. NMLS #483559

HELOC Rates

APR* (as low as 4.00%)
Max Loan to Value**
Lien Position
APR* (as low as 4.00%)
6.50%
Max Loan to Value**
80%
Lien Position
1st
APR* (as low as 4.00%)
7.00%
Max Loan to Value**
80%
Lien Position
2nd
Effective September 23, 2024

* APR – Annual Percentage Rate. Minimum is 4.00% and the maximum is 18%. The annual percentage rate is based on the value of an index. The index is the 26 week Treasury Bill. The annual percentage rate may change annually on the 1st day of June. The current 26 week Treasury Bill Rate is 4.73%. Maximum 80% combined loan to value based on an adjustable rate HELOC for a term of 12 years. The minimum loan amount is $10,000 and the maximum loan amount is $150,000. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans are subject to approval. Subject property must be your primary residence. Membership is required. Must be an existing member or eligible to become a member through our Field of Membership. Offer available in the states of Georgia and South Carolina. A $50 loan application fee is charged for processing. Other closing fees apply and will be disclosed at the time of application. We do business in accordance with the Federal Fair Housing Law and Equal Housing Opportunity Act. NMLS #483559

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Couple plans home project

MAKE A DIFFERENCE

A Home Equity Line of Credit can change and improve your future!

With convenient access to your line of credit through Online Banking, at local branch or by calling our Loans by Phone Center at 770.580.6000, you can be confident your funds will be ready when you need them most. 

  • Home addition or backyard oasis
  • Fund an investment property
  • Wedding or vacation of a lifetime
  • Education or medical expenses
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Three Practical Budget Templates

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

Share Your Story
Great member service and very good on rates for loans.
 
- Michael L.
 
Anytime I need help with loans, Peach State makes the process easy and efficient.
 
- Lisa A.
I love the services that Peach State offers. They are community involved and make you feel like family.
 
- Adrianne B.

Frequently Asked Questions

These are a few of the commonly asked questions about Home Equity Lines of Credit.
For even more FAQs, check out our Member Knowledge Base.
Is a HELOC the best solution for my home improvement project?
Review the pros and cons of using a HELOC to finance your home improvement project.
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Is there a HELOC loan application fee?
Yes, we do charge an application fee for consumer and Home Equity Loan applications. 
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Can Peach State provide me with a copy of my credit report?
While we do not provide credit reports in our branches, we can show you an online resource where you can obtain a free copy of your report.
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Member Knowledge Base