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Open the door to flexible financing!

Home Equity Line-of-Credit

Unlock your home’s potential with a Home Equity Line-of-Credit. 

A HELOC could open the door for a variety of opportunities:

  • Home improvement projects
  • Investment opportunities
  • Debit consolidation
  • College expenses
  • Rainy day fund
  • And more!

Accessing HELOC funds has never been easier with the Visa® Access Card!

Use your Visa Access Card anywhere Visa is accepted. When you need funds, simply use your card. Payments are made based on the current balance of your HELOC. So use as much or as little as you need!

  • What is a HELOC?

    HELOC stands for Home Equity Line of Credit. It is a revolving line of credit secured by your home. Similar to a credit card, you can borrow what you need when you need it, usually at a lower rate. 

  • How will it help me?

    A HELOC helps your home work for you. It can be a one time project or a revolving line of credit. We have a home equity product to meet your needs!

  • What can I use a HELOC for?

    You can consolidate bills, renovate your house, invest, fund college tuition or almost anything else! 

  • What are the terms and interest rate of a HELOC?

    For specific information on terms and interest rates, contact a loan representative at (865) 544-5409 or homeloans@tvacreditunion.com. 

    You may also estimate a quote by clicking here.

  • How can I apply?

    You may apply by clicking here. You can also contact a loan representative at (865) 544-5409 or homeloans@tvacreditunion.com.

Apply Now!


NMLS 16711. Obtaining a HELOC Visa® Access Card requires the cardholder to have a new or existing Home Equity Line-of-Credit through the Credit Union. The card is a device used to increase the debt owed on your home, which serves as collateral for the loan. Loan approval is not guaranteed and is subject to lender review. Fees charged for loan amounts up to $100,000 generally range between $350 - $950. Primary Residence. Tennessee properties only. Other restrictions may apply. Ask for details.