Put Your Home's Equity to Work This Fall

Your home has been quietly building equity. This September, it can start working for you.

As we celebrate 80 years of helping families live better lives, Baylands Family Credit Union is offering a limited-time Home Equity Line of Credit (HELOC) Special with an introductory Annual Percentage Rate (APR) of 5.80% for the first 12 months.* After the introductory period ends, your rate will convert to a variable APR as low as 6.75%, based on creditworthiness and other factors. Put your home's equity to work for what matters most — a kitchen remodel, debt consolidation, or the trip you've been dreaming of.

What Will You Harvest?

• 🏡 Home Improvements - Refresh a kitchen, update a bathroom, or tackle repairs you've been putting off.
• 💳 Debt Consolidation - Put your equity to work paying down higher-interest debt.
• 🎓 Education Expenses - Help cover tuition, books, or other costs.
• 🚗 Major Purchases - Finance a big purchase without draining your savings.
• 🌴 Life's Adventures - From a dream vacation to a major milestone, your equity can help make it happen.
• 💡 Unexpected Expenses - Have funds ready when life doesn't go according to plan.

Why Choose a HELOC?

Flexible funds. Multiple possibilities.

✔ Borrow What You Need — Access funds as you need them, not all at once
✔ Put Your Equity to Work — Borrow against what you've already built
✔ Flexible Financing — Use funds for a wide range of eligible goals
✔ Convenient Access — Funds ready when opportunity — or the unexpected — comes along

Celebrating 80 Years — Make Your Next Move

For 80 years, Baylands has helped families live better lives — and this fall, we want to help you write the next chapter. Your home is one of your biggest assets; let's put it to work for the things that matter to you, whether that's a long-overdue renovation, a smarter way to manage debt, or the adventure you've been putting off. Ready to get started? Apply using the button below, or call to speak with a member of the Baylands Home Team — we're here to help you make the most of what you've built.*

APPLY TODAY     | 804-843-2520

 

*APR = Annual Percentage Rate. Home Equity Line of Credit (HELOC) introductory rate of 5.80% APR for the first 12 months effective 9/1/2026; reflects current minimum rate offered. Not all borrowers qualify for lowest rate; rate based on credit standing, debt ratio, and equity in property. After 12 months, rate as low as Prime Rate plus margin (based on credit standing, debt ratio, and equity at HELOC origination). Rates as of 9/1/26 range from 6.75% to a maximum of 18.00%. Minimum rate set quarterly using Wall Street Journal Prime Rate published the 1st of the month preceding each rate change (Dec 1, Mar 1, Jun 1, Sep 1); subject to change Dec 1, Apr 1, Jul 1, Oct 1. The following closing costs on a new HELOC will be waived if the outstanding balance is at least $5,000 for the first year: flood certificate, closing document preparation, and credit line Deed of Trust recording fees. If the HELOC balance falls below $5000.00 in the first year, the credit union would require the member to pay all waived closing costs. Property insurance, $25,000 initial draw, membership eligibility, and Prime Share Account with minimum deposit required. Additional fees, terms, and conditions may apply. Offer starts 9/1/26 and ends 10/31/26. Offer subject to change or end without notice. Contact a Mortgage Specialist for details. Federally insured by NCUA.