Disclosures

¹ Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.

To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

The Valley Strong Credit Union Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.

A Valley Strong Credit Union HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.

²To receive the $1,000 cash bonus, proceeds from your new Home Equity Line of Credit (HELOC) must be deposited by ACH Wire into a new Valley Strong Makes Cents Checking Account. Offer available to Valley Strong Members who meet the following requirements: 

• Open a new Makes Cents checking account. You are ineligible if you currently have or have previously had a checking account with Valley Strong.
• You must use promo code HELOC1000 at account opening and make the minimum opening checking account deposit of $25.
• A Valley Strong debit card is required.
• You must either set up direct deposit into your Valley Strong checking account or complete an average of 12 debit or point-of-sale (POS) transactions per month for 90 days. ATM transactions are not included. 

Offer valid for home equity line of credit applications received between 5/27/2025 and 02/28/2027. This offer does not apply to loans where the application was submitted prior to 05/27/2025. Funding for your new HELOC must occur within 90 days of opening your new Makes Cents Checking Account. Upon funding, all disbursements from your new HELOC must be deposited via ACH wire transfer into your newly established Makes Cents Checking Account. No other disbursement methods or destination accounts will be permitted.This is not a commitment to lend. Additional restrictions and conditions may apply. Loans are subject to credit approval. Rates may differ and are based on evaluation of credit history, loan-to-value ratio, and loan term. Rates are subject to change at any time.

Accounts must remain open and in good standing* for 90 calendar days. This offer is valid only once per Member. This offer cannot be combined with other offers. Offer expires 02/28/2027. 

*Good Standing: For the purpose of this promotion the term “good standing” is an account which is:

• Currently open
• Not flagged for overdrafts
• No more than 30 calendar days past due on any loan payments, if applicable.
• Not knowingly taking part or being flagged for any fraudulent activity of any kind. 

Payment Terms: Payout will be made automatically to qualifying account by direct deposit on, or around the 91st day after the new checking account has been opened. Taxes due are the sole responsibility of the recipient. Valley Strong Credit Union will report to the state and federal agencies as required by applicable law. We may be required to send you, and file with the IRS, Form 1099MISC. Please consult with your tax advisor for questions about the impact of this form. 

Valley Strong Credit Union reserves the right to modify, restrict, change, or terminate the promotion at any time. If you are flagged for abuse of the promotion, you will be ineligible for future promotional bonuses. By participating in the promotion, you agree to these Terms and Conditions. For any questions, please contact Valley Strong Credit Union directly.