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Flex Pay Home Equity Line of Credit
You asked for it, youīve go it! We now have a great new home equity line of credit we think youīll love. Using our home equity line of credit, you can borrow for any reason: College education, vacation, pay off credit cards, or to purchase a new vehicle. And when you need funds again, you can access your home equity line of credit at any teller window (including all Service Centers locations), by Express Teller, by PC Home Banking, by check, or by ATM. What could be more convenient?
Here are some of the great features of our home equity line of credit:
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Accessing HELOCīs by Check
Access your HELOC by check 3 ways:
1. Request that your HELOC be designated as your primary means of overdraft protection on your checking account. This will provide automatic access to your HELOC (up to your established limit) if funds are not available in your checking account.
2. Transfer funds on PC Home Banking from your HELOC to your checking account.
3. Transfer funds through Express Teller from your HELOC to your checking account.
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Accessing HELOCīs by ATM
Most ATMīs are not sophisticated enough to provide direct access to your HELOC. But you can still access your HELOC at an ATM indirectly. Hereīs how:
1. On Express Teller, transfer funds from your HELOC to your regular savings account, then withdraw funds from your regular savings account at an ATM.
2. On PC Home Banking, transfer funds from your HELOC to your regular savings account, then withdraw funds from your regular savings account at an ATM.
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Accessing HELOCīs at Teller Windows
Itīs easy to access your funds at any PCCU branch or Service Center teller window. Once youīve established your HELOC, you can get an advance at any time by simply requesting it at a teller window. All you sign is the transaction receipt--no waiting, no applications, no forms.
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Closed End Home Equity Loans
We also offer closed end equity loans. A closed end home equity loan may be right for you if you are sure you wonīt need to borrow more money later or if you want a fixed rate loan.
Closed end home equity loans are available with repayment periods up to 144 months, up to $100,000, up to 90% of the value of your home (less first mortgage balance).
The interest you pay may be tax deductible (consult your tax advisor), and weīll waive your closing costs if you borrow $25,000 or more.
Rates
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