Home Equity Line of Credit

3.99% APR Intro Rate for the first 12 months!*
(as low as 7.25% APR after)

Home Equity Line of Credit

Super Flexible. Always Ready. Credit Card Simple.

A Home Equity Line Of Credit (also known as a HELOC), is a great way to leverage the equity in your home for financing home improvements, consolidating high-interest debt, having an emergency fund, or financing a special vacation or event. Best of all, your payments are based only on what you borrow.

At Radiant, our Home Equity Line of Credit also comes with our HELOC Credit Card. It works just like a credit card but accesses your line of credit directly – saving you from buying what you need, then transferring funds to your checking or credit card to cover the expense.

Closing cost paid on loans over $25,000*
Easy online application and document uploads
HELOC Credit Card to access funds
Adjustable and fixed rate options
All payments apply to principal and interest

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MORTGAGE APPLICATION CHECKLIST

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HOMEOWNERS INSURANCE

If you change companies for your homeowners insurance please upload the new policy information.

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GET MORE FROM YOUR HOME

Did you know that you can use your HELOC for more than just home improvement projects? Read on for a list of ways to use your Home Equity Line of Credit to improve your life and financial well-being.

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What's the Difference Between a HELOC and a Home Equity Loan?

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Disclosures

*Offer valid for Radiant Adjustable-Rate Home Equity Line of Credit as of 9/1/2026 through 9/30/2026 and is subject to change without notice. Subject to credit approval. Property insurance required. The introductory rate of 3.99% Annual Percentage Rate (APR) will be in effect for the first 12 billing cycles. After 12 months, the variable APR is as low as Prime Rate +.50; Minimum APR 7.25% - Maximum APR 18.00%. $10,000 minimum initial draw required. Subsequent advance minimum $100. Rates are determined by your creditworthiness and loan-to-value of your home. Offer not valid for refinancing of existing Radiant Credit Union loans. Must be a Radiant Credit Union member to borrow. For lines greater than $25,000, Radiant will pay typical closing costs. If you pay off and close your line within 36 months of opening, you must reimburse Radiant Credit Union for the fees paid by Radiant. Closing costs generally total between $0.00 and $2,500. Radiant will not pay typical closing costs for lines less than $25,000.

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Jon

Home Equity Line of Credit

3.99% APR Intro Rate for the first 12 months!*
(as low as 7.25% APR after)

Home Equity Line of Credit

Super Flexible. Always Ready. Credit Card Simple.

3.99% APR Intro Rate for the first 12 months!*
(as low as 7.25% APR after)
Radiant HELOC Loans feature: