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Haz Más Con Una Tasa de Introducción de 12 Meses
En honor a nuestro 90.º aniversario, disfruta de un APR introductorio de 4.90%1 durante 12 meses, luego un APR variable tan bajo como 7.375%.

Ya sea que esté planeando mejoras en el hogar, consolidando deudas o tomando unas vacaciones de ensueño, el capital que tiene en su hogar podría ser la solución. Con un 4.90% APR de introducción por 12 meses, luego una tasa variable tan baja como 7.375% APR, una Línea de Crédito sobre el Valor del Hogar (HELOC) de Affinity le da la clave para obtener más de su hogar. Además, puede fijar su tasa hasta tres veces durante el período de uso, combinando la versatilidad de una línea de crédito con la estabilidad de un préstamo a tasa fija. Los HELOC están disponibles en todos los estados excepto Texas.

Dos Opciones de Reembolso:

HELOC Tradicional

HELOC tradicional

Pagos de capital e intereses durante el período de disposición y reembolso.

Aplicar
HELOC solo intereses

HELOC de Solo Intereses

Pague solo intereses durante el período de disposición. Durante el reembolso, los pagos se amortizan para pagar el saldo completo durante el plazo restante.

Aplicar
Pareja sonriente trabajando junta para restaurar una silla.
Con una HELOC, también puedes:

  • Disponga de fondos disponibles por hasta 10 años desde la fecha en que abra su línea.
  • Después de que termine el período de disposición, el plazo de pago es de 20 años.
  • Adelante fondos a su conveniencia en su momento. Transfiera fondos cuando inicie sesión en su cuenta de AFCU o con cheques convenientes solo para su HELOC.
  • Los fondos se vuelven disponibles a medida que paga el principal durante el período de disposición.
  • Sin cargo, convierta saldos de $5,000 o más a una tasa fija y elija un plazo de pago que se ajuste a su presupuesto—hasta 20 años2. Puede fijar saldos a una tasa fija hasta tres veces durante el período de disposición de su préstamo sin necesidad de volver a aplicar.

BENEFICIOS ADICIONALES

1
Affinity Ofrece Sin Tarifas3
Con el HELOC de Affinity, no encontrará tarifa de solicitud, tarifa de tasación, ni tarifas anuales.
2
Una forma rápida y sencilla de acceder a fondos
Bajas tasas de interés para mejoras en el hogar, gastos de educación, facturas médicas, gastos de emergencia, unas vacaciones, ocasión especial que has estado planeando o un carro nuevo.
3
Pagos Mensuales Más Bajos
Consolidar saldos de otros préstamos y tarjetas de crédito a una tasa baja podría resultar en un pago mensual más bajo y más manejable.

Affinity Federal Credit Union NMLS# 463935

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1 APR = Annual Percentage Rate. All Home Equity Lines of Credit (HELOCs) are subject to credit review and approval. A 5.99% introductory rate applies to HELOC balances for the first 12 months from the date of account opening. After the introductory period, the fully indexed rate applies to any new or existing balances. The fully indexed rate is a variable APR as low as 7.625%, which includes the Index (Prime Rate) plus a margin that ranges from -0.125% to 1.50%, which varies depending on individual credit qualifications, credit limit amount, loan-to-value ratio, and other criteria that may apply. The maximum allowed Combined Loan-to-Value ratio (CLTV) of 80% and maximum loan amount of $1,000,000 are based on credit worthiness and individual loan qualification. The advertised rate of 7.625% includes a 0.25% reduction off the standard interest rate when you set up automatic payments from an Affinity account, in addition to a first lien rate discount of 0.125% when Affinity holds the first lien against the subject property. Without automatic payments or first lien status, the rate will be higher. Any eligible rate discounts do not apply to the Introductory rate. The variable APR is based on the Prime Rate (as published in the Wall Street Journal), which as of 12/18/2024, is at 7.50%. Therefore, depending on the date you apply, the advertised rate(s) may not be available. If the Prime Rate increases or decreases, the variable APR and minimum requirements payment will change accordingly. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) assessed by Affinity cannot increase by more than 6% above the initial fully indexed rate. The maximum APR (ceiling rate) cannot exceed 18.00%. Offered rates are subject to change without notice. The maximum term of a HELOC is 30 years which consists of a 10-year draw period followed by a 20-year repayment period. Introductory rate is only available for new loans.

Home equity lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Homeowners’ insurance is required. Flood Insurance is required where necessary. Lender’s title Insurance may be required based on loan amount. Eligible properties include owner-occupied, 1-4 family residences, warrantable condominiums and townhomes. Investment properties, second homes, vacation homes, cooperatives, mobile homes, and purchase money transactions are excluded. Terms and conditions are subject to change.

2 During the Draw Period of your Home Equity Line of Credit, you may elect to “lock in” or convert all or a portion of your outstanding variable-rate balance to a fixed Annual Percentage Rate over a set term. Your fixed interest rate, which does not include costs other than interest, will be determined by Affinity securing your fully indexed rate at the time you exercise this option. Funds cannot be locked in at the introductory rate. The minimum amount that may be locked is $5,000 and the maximum term of the lock feature is 20 years. Depending on the rate and term chosen, an origination fee may apply to the balance of the locked portion and if so, this fee will be disclosed at the time that the lock feature is exercised. The minimum payment requirement for the locked-in balance is equal to the amount required to repay the balance in equal periodic installments during the term selected. You will be provided with the new payment terms of the lock-in balance at the time you lock-in. Locking in will only fix the rate and term that applies to that specific portion of the existing balance selected; future advances will be subject to the variable rate according to the terms of your loan. As the locked-in balance is paid down, additional credit will become available, up to the applicable credit limit. The maximum number of times the lock feature may be exercised is three (3). Affinity reserves the right to discontinue this feature at any time without notice. If this feature is discontinued, the balances that have already been locked in will continue to be locked at the rates and terms selected.

3 If the HELOC is less than $400,000, there are no upfront fees. If the HELOC is $400,000 or higher, the borrower will be required to pay for a full lender’s title insurance policy. For all HELOCs where state mortgage tax or other state fees are charged, the borrower will be responsible to pay this at closing and may take as an advance from the HELOC. There are no prepayment penalties, however, if borrower pays off and closes the line within the first 36 months, the borrower will be required to repay the third-party fees paid by Affinity, which may range between $250.00 and $5,000.00. Please contact a Loan Officer for additional details on additional prepayment options. Click on the respective program for complete pricing and terms: Traditional HELOC | Interest-Only HELOC