HELOCs in Plymouth County, MA

Thinking about home improvements, unexpected expenses, or debt consolidation?  A Home Equity Line of Credit from PCT Federal Credit Union can be a smart financial tool for Plymouth County homeowners.

What is a HELOC?

A HELOC is a revolving line of credit secured by the value of your home. This means you can borrow only what you need, up to your approved limit, and make interest-only payments during the draw period. Then, you repay the principal over a set term.

Why Choose a HELOC?

  • Flexibility: Need funds for a big project or ongoing expenses? A HELOC allows you to access cash as needed.

  • Competitive Rates: HELOCs often offer lower interest rates than personal loans or credit cards.

  • Potential Tax Benefits: Consult with a tax advisor, but interest payments on a HELOC used for home improvements may be tax-deductible.

Consider a HELOC if you're looking to:

  • Renovate or update your home

  • Cover major expenses like medical bills or education

  • Consolidate high-interest debt and save money

Why Choose PCT Federal Credit Union?

  • Maximize Your Equity: We offer HELOCs with loan-to-value ratios of up to 100%

  • Straightforward Rates: Our competitive rate is Prime + 1.50% with no introductory discounts – simple and transparent

  • Local Service, Personalized Touch: Decisions are made locally by our friendly staff, ensuring personalized service

  • No Surprises: We offer clear terms and no hidden fees

Apply for a HELOC at PCT Federal Credit Union

Your journey to homeownership starts here with PCT  FCU. Whether you’re buying, refinancing, or building, our team is ready to help you achieve your goals with personalized guidance and financial solutions designed for you. Let’s build your future together.