Special Rates as low as 3.25% APR+ & a Chance to Win $2,500*

Home Equity Line of Credit — Special Offer!heloc icon

One of the biggest benefits of home ownership is the ability to leverage the equity in your home to help pay for life's expenses, no matter what they may be. 

For a limited time, Arbor Financial is giving away a $50 gift card to Home Depot when you open a Home Equity Line of Credit. Additionally, when you make a draw on your HELOC of $5,000 or more, you will be automatically entered for a chance to win $2,500*!

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Home in on Arbor Financial's HELOC
The value of your Michigan home helps to qualify your Home Equity Line of Credit loan. You don't have to spend the cash on home repairs, though it's okay if you do. Instead, you can access the money as often as you wish to give you a little extra buying power when opportunity knocks or a little extra muscle in fending off life's financial challenges.
  • Great low rates, currently at only 3.25% APR+.
  • No restrictions on how you spend your funds. The line of credit is there whenever you need to quickly and easily access additional money, with credit lines from $10,000 to $150,000.
  • Low monthly payments. Unlike many of our competitors, Arbor Financial has a 10-year draw on their HELOC with an even longer 10-year payback period, making monthly payments even more affordable.
  • Interest only accrues on funds that are withdrawn. Only pay interest once you use the money, allowing for peace-of-mind knowing the funds are there should you ever need it.
  • Take advances as often as you need them. No need to worry about applying for another loan when you have a HELOC. It’s ready when you are by simply transferring the money to your checking account when you need it.
  • No application fee. Easy to apply online, stop by a branch, talk by phone or schedule an appointment online to meet in person.
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Why Arbor Financial?

There is a reason that more than 44,000 people like you in Western Michigan are banking with Arbor Financial. Arbor does things differently — and it shows.

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+Annual Percentage Rate (APR).The APR is variable and is the lowest rate available. APR is based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR is 15%. Subject to credit approval. An Automated Valuation Model (AVM) will be used to determine equity on HELOC requests amounts less than $75,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. There are closing costs on the loan that are specific to each member's situation. Subject to change without notice.
*No purchase necessary. Promotional period February 1, 2021 - May 31, 2021. For official rules, click here.