Are you ready to make the most of your home’s equity? Introducing the new FlexLOCK Home Equity Line of Credit (HELOC)1, a flexible, smart way to finance your dreams!

Here’s just a few things you can do with your loan:

Home Renovations: Transform your space with that kitchen remodel or bathroom upgrade you’ve always wanted.

Landscaping & Outdoor Improvements: Create your dream garden or patio for unforgettable summer gatherings.

Debt Consolidation: Say goodbye to high-interest rates! Use your HELOC to pay off credit card debt and simplify your finances.

Education Expenses: Invest in your future or your child’s education with tuition, books, and other educational costs.

Big Purchases: Whether it’s a new car, appliances, or travel plans, access cash when you need it most.

Emergency Fund: Build a safety net for unexpected expenses and create peace of mind.

Why Choose FlexLOCK?

Flexible Access:

  • Borrow only what you need, when you need it!
  • Advance from your line of credit for up to 10 years.
  • Easily transfer funds to your other ValleyStar accounts as needed.
  • You may be eligible for a FlexBridge Advance loan.2 Get quick access to a small personal loan to manage immediate expenses while your long-term financing is on its way.

Lower Rates, Greater Savings:

  • Flexible spending power with a low variable rate.
  • Customize up to three segments to fit your financial needs, each with unique terms and rates.3
  • No prepayment penalties.
  • Interest may be tax deductible.4

Local Trust:

  • As your community credit union, we’re here to support your financial journey.

Apply today to take the first step towards achieving your financial goals

Apply Now

‡Home Equity rates are based on an independent index, (the “Index”), which is the Prime Rate. Rates will adjust quarterly, on the first day of the first month after the end of the previous quarter.  Ex: January 1st for the previous quarter.  Rates will be based on the Index Rate on the 3rd Monday of the last month of the previous quarter.  Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

1 Membership eligibility required.

2 Access to 25% or $25,000.00 whichever is greater within 72 hours of completed underwriting with utilization of a personal loan that will have a single payment due in 60 days to be paid off by the HELOC at funding. Minimum Credit Score required for early access is 740.

3 Up to 3 fixed rate loan segments at a time.  Rate is based on Prime Rate.  Line can be funded online but must be segmented in person at a ValleyStar branch location. Interest will accrue on a daily basis.

4Consult with your tax adviser regarding the deductibility of interest.