Due to the COVID-19 pandemic, our branch is temporarily closed. Please contact us at 703-750-4394 for assistance. Our call center hours have been extended from 7:30am to 5:00pm M-F.


Home Equity Loans

We have cost-effective ways to help you make the most of your equity and refinance your mortgage!

Home Equity Lines of Credit

Fast, Flexible and Affordable. A Simple Lending Option!

Our HELOC Benefits:

  • We will pay up to $1,000.00 for your closing costs! 1
  • Loans up to a $400,000 (up to 90% of your homes LTV 2 )
  • Wall Street Prime Rate 3
  • 10-year draw period
  • Variable monthly payment based on balance
  • No pre-payment penalties/ No annual fees
  • Easy access to your funds with convenience checks
  • Interest may be tax deductible 3


Fixed-Rate Second Mortgage

Get the money you need now in a convenient, single payout!

Our Second Mortgage Benefits:

  • Fixed terms for 5, 10, 15 years
  • Maximum loan amount is 80% of the appraised value 4, LESS any first mortgage (not to exceed $400,000)
  • No pre-payment penalties/ No annual fees
  • Fixed monthly payments
  • Minimal closing costs 2
  • Interest may be tax deductible 3


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  1.  TruEnergy FCU will pay up to a $1,000 maximum closing costs towards a funded home equity line of credit (HELOC). Credit may not exceed the actual closing costs and cannot be used to pay for other fees or interim interest. If the HELOC is closed within 3 years (36 months), the borrower must reimburse the credit union for the closing costs. This offer is good as of May 1, 2019 and is subject to change without notice.
  1. Minimum costs may include County Recording, Title Search and Appraisal Fees. Loan to Value (LTV) of the property will be determined at 90% of the appraised value minus any other outstanding liens (i.e. first mortgage) on the property.
  1. The Home Equity Line of Credit (HELOC) has a variable interest rate that is based on the Wall Street Journal Prime Rate. This is a variable rate and is adjusted semi-annually, plus, (i) applies to (LTV) ratio of 90% for primary residence and non-owner occupied residences, (ii) in no event will the APR be less than 4.00% and no more than 18.00%.  Property insurance is required, flood insurance may be required. Interest may be tax deductible, consult your tax advisor for more information.  Additional restrictions, limitations and exclusions may apply. 
  1. If the loan is $60,000 or under, the most recent tax assessment will be accepted unless the value of the home is in question. Then, an appraisal will be completed.  Any loan over $60,000 an appraisal will be completed by an authorized appraiser selected by the credit union at the member’s expense.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.  NMLS 420026


Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of this data send a written request to P.O. Box 1607, Springfield, VA 22151.


Home Equity Line of Credit