Veritas Federal Credit Union

Home Equity Line of Credit

Our Home Equity Line of Credit is there when you need it´┐ŻNo 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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    Fee Schedule

        - Share Accounts
        - Checking
        - Certificates
        - IRAs
        - ATM/Debit Cards
    Other Services:
        - Stop Pay Requests
        - Wire Transfers
        - Direct Deposit
        - 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.