Home Equity Line of Credit

level on pavers as project nears completion

Start with 6.75% APR

Access funds you need now while making interest-only payments for 10 years with our Shelterline 85 HELOC. 

Calculate Your Payment

Enter the amount advanced and interest rate to calculate the interest-only payment.

Common Uses of a Home Equity Line of Credit

Home Improvement

Build your dream kitchen, bath, or outdoor space.

Medical Bills

Pay off debts with a low rate and long payoff term.

Tuition

Help you or your dependent earn a degree.

Debt Consolidation

Switch to one easy payment with a lower rate than credit cards and personal loans.

Shelterline 85 HELOC

  • Introductory APR of 6.75% for six months
  • Access up to 85% LTV
  • 10-year draw period with interest-only minimum monthly payments
  • 15-year repayment period after draw period ends
  • Credit line from $15,000 to $325,000
  • No closing costs

Residence must be in Tennessee. Download the Shelterline Early Disclosure.

Apply Online

Existing members can also start in digital banking for a simpler application.

Already applied? Check your application status.

Local Financial Co-Op Since 1955

We were founded by educators in Davidson County and now serve Middle Tennessee.

Middle Tennessee map showing six CFCU branch locations