If you are a homeowner, the equity in your home can be a great resource to pay for some of your large expenses, like home improvements or additions, college tuition, or even bill consolidation. In addition to low rates, home equity loans have a number of advantages.

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ReadiEquity Line of Credit - for the ultimate in convenience, this revolving line of credit is ready when you need it!


  • easy access to funds through ReadiEquity checks, online banking, TELE-TALKPlus, by phone or in person
  • rates as low as 4.00% APR* - rates subject to change monthly
  • payment options to fit your lifestyle
  • lines of credit from $7,500 up to $250,000**
  • no closing costs*
  • the interest that you pay may be tax deductible***
  • ReadiEquity Lines of Credit are not offered on investment properties or second homes




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Home Equity Fixed Rate Loan - take advantage of a low, fixed-rate for the life of the loan. Contact the home equity department at 404.874.1166 (option 4) for today's rates.


  • borrow from $5,000 to $250,000*
  • no closing costs*
  • the interest that you pay may be tax deductible**




Green Loans - in an effort to go green, Georgia's Own Credit Union will offer a 1% rebate up to $500 when you use your ReadiEquity Line of Credit or Fixed Rate Home Equity Loan for Energy Star qualified home improvements. A complete list of products can be found at http://www.energystar.gov.*






Special Fixed Rate Programs

loans on second homes and rental properties available
terms vary