Achieve more financial flexibility. Our HELOC Plus puts you in control, providing you with the money you need now and the peace of mind you’ll want later.

Plus, for a limited time, take advantage of our 4.99% APR1 Intro Rate on variable-rate advances for the first six months.

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What Can a PSECU HELOC Plus Offer You?

When it comes to your finances, you’re the expert. Our HELOC Plus, with no PSECU application or appraisal fees, lets you build the loan you need, offering you flexibility in:

Amount
Borrow only what you need. Ability to borrow up to 90% of the appraised value (80% for rental properties), less any liens on the property being mortgaged.
Rate
Choose a fixed- or variable-rate advance.
Access
24/7 ability to advance funds through our digital channels.
Intro Rate

HELOC Plus intro rate of 4.99% APR1 on variable-rate advances for the first six months.

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Limited
Time!

Choose the Best Advance Type For You

From home improvements to debt consolidation, this low-rate loan option provides flexible access to cash, right when you need it most. In other words, your to-do list just got more doable.

Fixed-Rate Advances

Fixed-rate advances offer peace of mind, allowing you to lock in a rate for the funds you advance.
  • $5,000 minimum advance
  • Limit of three fixed advances with outstanding balances

Variable-Rate Advances

Variable-rate advances are tied to the Prime Rate, which means rates and payments fluctuate with the market.
  • No minimum advance amount
  • No limit on the number of variable advances

Just Three Simple Steps to the Funds You Need

  • Determine how much you want to borrow (Minimum line of credit is $5,000).

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Current HELOC Plus Rates

Valid as of 06/30/2025 04:48:54 AM EDT

HELOC Plus intro rate of 4.99% APR1 on variable-rate advances for the first six months.

Description Rates As Low As*
HELOC Plus Variable Loan-to-Value up to 80% 7.50%
HELOC Plus Fixed Loan-to-Value up to 80% 8.00%
HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% 8.00%
HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% 8.50%

* Rates "as low as" 7.50% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for variable advance(s) or fixed advance(s) will be equal to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the Prime Rate combined with a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate combined with a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the WSJ Prime Rate combined with a margin. Fixed Advance(s) are determined at the time of the advance. There is a 10-year advance period with a 20-year repayment period (5-year advance period with a 10-year repayment period on rental properties) from the date of the last advance. The minimum line of credit advance for a fixed rate advance is $5,000 with a limit of three fixed rate advances outstanding at one time. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

1 PSECU is running an Introductory APR for variable-rate advances for HELOC Flex and HELOC Plus applications received from 6/10/2025 through 9/10/2025. APR denotes Annual Percentage Rate. Introductory APR of 4.99% APR is only for variable-rate advances of new HELOC Flex and HELOC Plus home equity lines of credit products made within the first six months from the Disbursement Date (the date your line of credit is established and available for advances) of the new home equity line of credit product. Your HELOC Flex or HELOC Plus application must be received between 6/10/2025 and 9/10/2025 for this Introductory APR to apply. If the loan is disbursed after the first of the month, the count of the six-month intro period begins on the first of the following month. After expiration of the Introductory APR term and on the first calendar day of the seventh month following the loan Disbursement Date, balances will be charged the variable APR from 7.50% APR – 18% APR based on creditworthiness and loan-to-value (LTV); your rate may differ from the rate shown here. The APR for variable advance(s) will be equal to the Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month, plus a margin. Margin is based on LTV and creditworthiness. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount to open is $5,000. The monthly payment may vary. The maximum APR is 18% and Maximum LTV is up to 90%. PSECU may terminate this introductory rate offer at any time and without notice.

Compare Loan Products

View our Home Equity page to compare our three equity loan products.

Compare Products

Browse Common Questions

  • There are no PSECU application fees for equity loans or lines of credit, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a notary public. Late fees may apply.

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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

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