Everybody has unexpected expenses or cash shortfalls sometimes. Or maybe you want to consolidate high-interest debts, complete home improvements, or make a large purchase. Instead of emptying your savings accounts or cashing in stocks or other investments, you can use the equity in your home to open an Alliant Home Equity Line of Credit (HELOC). Alliant HELOCs have low interest rates and the flexibility of low monthly payments, too.
It's the Ultimate Opportunity:
Introducing an exclusive HELOC offer by Alliant
First 6 months
After, as low as
{{heloc-rate-low}}%
3.99%
INTRO APR1
VARIABLE APR2
Note: We only lend against properties in the following states: AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI, and Washington DC.
Lock in 3.99% APR for six months, then variable rates as low as Prime + 0.25% on your home equity line of credit.1,2
$785
3
First year savings
Why is this the ultimate value?
If you have debt in a HELOC today or other debt with high interest rates, this offer provides the ultimate value. Refinancing to an Alliant HELOC can save an average of $785 in the first year compared to national averages.3
Stay protected
A HELOC is a great way to provide a financial safety net for the unexpected. Things like job loss, unexpected expenses can happen anytime. A HELOC provides a backup plan.
Why choose an Alliant HELOC?
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%
3.99
%
0
$
APR2
APR1
Rates as low as prime + 0.25%
Competitive intro APR
No application fees
Our fixed intro rate of 3.99% APR for the first six months gives you more borrowing power for less.
After 6 months, get a variable rate as low as prime + 0.25% (that's {{heloc-rate-low}}% APR).
Keep more money for what matters most
2026 Best HELOC Rates: Best for No Closing Costs
Best Credit Union
Best Overall Credit Union
CNBC
Newsweek
Forbes Advisor
“Alliant's Ultimate Opportunity HELOC offer is next-level. You're not likely to find a better deal anywhere else.”
– Suze Orman4
Frequently asked questions (FAQs)
The amount of equity you currently have in your home will determine your Home Equity Line of Credit (HELOC) limit. You must retain at least 15% of the value of the equity in your home (sometimes referred to as an 85% LTV maximum). You can make a ballpark estimate of your HELOC maximum by calculating what 85% of your home’s value is, then subtracting your existing mortgage balance(s) from that number.
Yes! You can pay more than your minimum monthly payment to pay back your loan faster. In fact, it’s a smart money move to do so, as you’ll save on the interest you pay over the course of your loan! And Alliant won’t penalize you for paying back more than the minimum monthly payment.
You can transfer money from your HELOC in Alliant online banking, our mobile app or by phone.
After logging in to Alliant online banking, click into your HELOC account. Then select the Manage Account tab and click Order Checks. Select your HELOC account from the account dropdown and press the Continue button, then follow the prompts to select your preferred check layout and shipping options.
1. Fixed Introductory Rate Offer Availability
The fixed introductory rate offer is available on new HELOC applications received from 03/16/2026 through 12/31/2026. The introductory rate applies for the first 6 months after origination. No member or other discounts apply during the introductory period. Promotional offers are subject to change. Alliant may discontinue Introductory Rate HELOC offers at any time without notice, regardless of the advertised offer period.
Variable Rate Information After Introductory Period
The Annual Percentage Rate (APR) is variable rate based on the Prime Rate (as published in The Wall Street Journal) plus or minus a margin, and may adjust monthly. Current APRs start as low as {{heloc-rate-low}}% and will vary based on creditworthiness, lien position, loan amount, and other factors. Your APR will never exceed 16.00% for the life of the plan, no matter how high the Prime Rate rises. This maximum is a built-in consumer protection that caps your exposure to future rate increases. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate of 0.25%.
2. Home Equity Line of Credit Availability
HELOCs are available in AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI, and Washington, D.C. Maximum CLTV is 85% for members with 90+ days of membership, lower limits may apply based on membership tenure, property location and creditworthiness. Properties in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, and UT are limited to 80% CLTV. Minimum loan amount is $10,000 ($25,001 in WI and Washington, D.C.). HELOCs are available on owner-occupied 1- to 2-unit properties and are subject to credit approval, verification of application information, and receipt of collateral documents. Rates and closing costs vary based on credit qualifications, state requirements, loan amount, CLTV, and credit history.
Costs of a Home Equity Line of Credit
No closing costs apply on HELOCs up to $250,000 that meet Alliant criteria, excluding applicant-requested appraisals, state fees and taxes, and notary fees. HELOCs over $250,000 may be charged a fee of up to $1,000. Additional costs may apply to satisfy existing liens. Borrowers are responsible for any state or local fees and taxes. Fees and taxes vary by location. Property insurance is required. Flood insurance may also be required. A full appraisal, at the applicant's expense, is required for properties located in FEMA-designated natural disaster areas.
The $50 annual fee is waived the first year and charged annually thereafter, regardless of account balance. A $200 termination fee may apply if the HELOC is closed within 36 months of origination to reimburse certain third-party costs paid on your behalf. A $250 refinance fee applies if an Alliant home equity product is refinanced without increasing the credit limit by at least $10,000. See your loan agreement for additional fee information.
Minimum payments during the draw period will not repay principal, which may result in a higher principal-and-interest payment after the 10-year draw period ends.
Subject to Credit Approval
All accounts and loans are subject to approval and Alliant lending criteria. We may be unable to approve your application if, for example, we cannot verify your income, accounts are past due or over limit, or other underwriting requirements are not met. If so, we will notify you. Responding to this offer does not guarantee approval. Rates, terms, and conditions are subject to change. Other restrictions may apply.
Use of Automated Value Models
Alliant uses Automated Value Models (AVMs) based on local real estate data to estimate your home's value. In rare cases where Alliant is not able to establish a value for your property through an AVM, an appraisal can be ordered at the applicant's expense to determine the estimated property value for lending purposes.
3. $785 first‑year savings estimate is a hypothetical example based on market data as of 9/17/2026 and assumes a $45,157 interest‑only HELOC balance. Comparison reflects the national average HELOC rate of 7.36% APR versus an Alliant HELOC with a 3.99% introductory APR for 6 months and a {{heloc-rate-low}}% variable APR thereafter. Data sources include Bankrate.com. Actual savings will vary and are not guaranteed.
4. This statement reflects the personal opinion of the endorser.
Note to borrower: Debt consolidation combines multiple debts into a new loan with a single monthly payment. However, it may not reduce your payment or allow you to pay your debt off sooner. Reductions in your monthly payment could come from a lower interest rate, a longer repayment period or a combination of both. By opting to repay the debt over a longer period, you may pay more in interest overtime. Prior to applying, we recommend you review your existing debt and this offer to determine the best borrowing options for you.
