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Take your dream vacation!

Home Equity Loans and Lines of Credit

Let us help you take your dream vacation! We pay up to $700 of your closing costs.* Apply Today.

Want to make home improvements with the convenience of a line of credit? A Home Equity Line of Credit, or HELOC, is similar to a home equity loan but allows you to draw on your line of credit as you need it. 

  • Low monthly payments
  • Funds available when you need them
  • Interest may be tax deductible, check with your tax advisor.
  • 24-hour online account access
  • Up to 100% Loan-To-Value financing
  • Maximum $100,000 credit limit, with approval
  • Owner occupied, primary residences only.
  • View our great rates here!


An equity loan allows you to use the equity in your home as collateral so you can finance what you need at a lower interest rate.

Low interest rates

  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7

For a copy of the HMDA Disclosure statement, please contact us 540-663-2181 or visit any branch.


*NSWC Federal Credit Union will pay up to $700 in closing costs, subject to restrictions, appraisal fee not included. Home Equity Lines of credit (HELOC) available from $10,000 - $100,000 with a minimum of $10,000 initial draw. HELOCs are available up to 90% LTV (loan to value) based on appraised value. Rates determined by credit history, LTV and HELOC rates are tied to the Wall Street Journal’s Prime Rate and can change quarterly. Appraisals are required for all mortgage loans. Fixed Rate Home Equity loans are available from $10,000 - $100,000 up to 100% LTV based on appraised value. Contact your tax adviser for further information regarding the deductibility of interest and charges. Membership eligibility is required. Subject to approval and underwriting. All Credit Union loan programs, rates, terms and conditions apply and are subject to change at any time without notice. Contact the credit union for complete details. Federally insured by the NCUA.