Learn More About Our Home Equity Loans

Use a Home Equity Line of Credit (HELOC) to pay off debts, make home improvements, pay for college tuition or to take that dream vacation - whatever your reason, Valley is here to help!

  • Rate discount available with auto pay from your Valley checking account
  • Variable or Fixed rate
  • Minimum payment 1% of the outstanding balance monthly 
  • 10 year draw period with a 10 year repayment period
  • Loan up to 90% of loan to value (LTV)
  • No pre-payment penalties
  • Low processing fee and annual fee


*APR = Annual Percentage Rate. The interest rate a member pays is based on the member's credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Membership requirements apply.