Veritas Federal Credit Union

Home Equity Line of Credit

Our Home Equity Line of Credit is there when you need itóNo interest is charged until the credit line is used1.

(Home Equity Line of Credit only available in Tennessee and Mississippi.)
  • Credit line open for 5 years2
  • Borrow up to 90%3 of the property value
  • Closing costs limited to a 1 percent origination fee on your Equity Loans
Call 1-855-663-8328 or email for more information or to apply!

1. Home Equity Lines of Credit are variable-rate loans from $10,000 to $250,000. Rates as low as 5.50% APR and are based on creditworthiness; your rate may differ. The plan has a maximum APR of 18%.
2. Home Equity Lines of Credit have a five-year draw period followed by a fifteen-year payback period.
3. Some restrictions may apply. The maximum combined loan-to-value for investment properties is 90%.

Retire your mortgage - Refinance with the On Target Mortgage by VFCU

  • Competitive fixed interest rate
  • Set you own maturity date - from One (1) year to 15 years
  • Flat processing fee covers all of your closing cost*
  • No out-of-pocket cash at closing
  • Most On Target refinances do not require a traditional appraisal**
  • Set your payment up to meet your schedule - weekly, bi-weekly, semi-monthly, monthly payments available

  • *Processing free includes flood certification, AVM, credit report, title search and insurance, document preparation, and closing agent's fee. Assumes that borrower provides existing title insurance policy.
    **Appraisal may be required if value cannot be ascertained using AVM.

    Traditional Home Mortgage - 15-30 Year Fixed, 5/1 ARM, FHA, VA

    Welcome Home! You are about to discover the easiest way to be pre-qualified, receive custom rates, and get expert advice for a home loan.

    Click here to continue to our mortgage center.

    Veritas Federal Credit Union
    One Nissan Way
    Franklin, TN 37067

    Mailing Address:
    PO Box 2659
    Smyrna, TN 37167

    Main Phone: (615) 786-0452
    Member Service: (855) 663-8328
    Email Us!

    Routing Number: 064182605
    VFCU NMLS #409723
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        - Convenience Services

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    NCUA Insured Your Savings Federally insured to at least $250,000 and backed
    by the full faith and credit of the United States Government.
    National Credit Union Administration, a U.S. Govt. Agency.
    We do business in accordance with the Federal Fair
    Housing Law and the Equal Credit Opportunity Act.