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Home Equity Lines of Credit (HELOC)


If you can dream it, DEXSTA Federal Credit Union can help you finance it with our VISA HELOC (home equity line of credit). This product uses the equity value of your home up to 80% (less existing lien balances) to provide an open line of credit that you can draw on for 10 years. Use it to help finance a child's college education, add an addition to your home, and much more. Lines can be established up to $100,000 (based on available equity). Minimum monthly payments are interest only for the first 10 years, or pay as much as you like with no prepayment charges. Take up to 15 years to payoff the balance after the draw period. Interest may be tax deductible. There is no up-front application fee or additional closing costs. The only charge is a $400.00 origination fee which can be either paid out of pocket at settlement or taken as advance from your new line. Rates are variable based on the prime lending rate.


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On the go, need fast money. Our new product, the Platinum Home Equity Line works just like a Home Equity Line of Credit – only better. It’s accessed with a credit card so you can reactive it anytime, just by using it! Apply once; use it for years to come!
  • Based on prime – which means you get the best, most competive rate
  • Accessed with a Visa Platinum credit card – ease and security
  • Line of credit up to $100,000
  • Min. line $10,000; Max. line $100,000
  • Purchase anything – from $.01 to your limit!
  • Annual fee $25.00

* APR = Annual Percentage Rate.  APRs are as low as the rates advertised above.  Your APR may vary based upon individual credit profile.  See a Loan Officer for more details.  Rates are effective .

** Minimum credit line is $10,000, Maximum Credit Line is $100,000. Margin = 4% Your margin may be different based on your individual credit profile. A $250.00 application fee is required.

***Platinum Home Equity Line has a variable rate that changes quarterly.