Home Equity Credit Card
Access Your Home Equity With Just a Tap
Our card is an easy, convenient way for making purchases with your equity line.
Money is automatically advanced from your Home Equity Line of Credit to pay for purchases with a tap or a swipe, just like with your favorite credit card.
Use your card at retail stores, online, over the phone and everywhere Visa® is accepted.
You'll have the flexibility to tap into your home equity for up to 20 years, with up to 20 years to repay.
With our mobile app, you can easily review your account and make payments.*
Your Minimum monthly payment is 1% of the balance or $100-whichever is higher.
Not a member? Join today.
More Than Just a Card
Access to a Stateside Member Rep
Accepted at Millions of Locations Worldwide
Auto Rental Collision Damage WaiverFootnote 3
Roadside Dispatch®Footnote 3
Worldwide Travel and Emergency Assistance ServicesFootnote 4
Safe and Secure Tap-to-Pay Technology
To request your card, call 1-888-842-6328 or visit your nearest branch.
Disclosures
Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates are as low as 9.240% APR and 8.750% for Interest-Only Home Equity Lines of Credit and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, line amount, and occupancy, so your rate may differ. HELOC has a minimum APR of 3.99% and a maximum APR of 18%. Members who choose to proceed with an Interest-Only HELOC may experience significant monthly payment increases when the line of credit enters the repayment phase. Navy Federal will pay for all closing costs on HELOC applications dated on or after June 3, 2024. Covered closing costs paid to 3rd parties include settlement fees, credit reports, flood determinations, property valuations (including appraisals, if required), title searches, lender’s title insurance, recording, and government charges. The member is responsible for prepaid interest and escrow payments for 1st lien HELOCs. Member must carry homeowners’ insurance on the property that secures the HELOC. For loan amounts up to $250,000, closing costs typically range between $300 and $2,000. Applications for a HELOC include a request for a HELOC Platinum Credit Card. All loans subject to approval. Offer is subject to change or cancellation without notice. Rates are subject to change. HELOC loans are not available in Texas.
↵ATM Cash Advance Fee: None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
↵Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa® Card to secure transactions. Please refer to your Guide to Benefits for details.
↵Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for further details.
↵Some restrictions may apply.
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