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
Lock in 3.99% APR for six months, then variable rates as low as Prime + 0% on your home equity line of credit.1,2
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 $817 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
Competitive intro APR
Rates as low as prime + 0%
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% (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. Special offers are subject to change. Alliant Credit Union may discontinue Introductory Rate Home Equity Line of Credit offers without notice, regardless of originally advertised offer period dates. All new accounts and loans are subject to approval. All loans are subject to Alliant Credit Union lending policies. Under certain circumstances—for example, if we cannot verify your income, or if any accounts are past due, over limit or if other underwriting criteria are not met—we may not be able to open a loan account for you, in which case you will be notified. Responding to this offer is not a guarantee of approval. Alliant Credit Union does not sell member information. See our Privacy Policy for details.
Fixed Introductory Rate Offer Information. The fixed introductory rate offer is available on new applications received from 03/16/2026 through 12/31/2026. The introductory rate is fixed during the introductory period. The introductory rate on new HELOCs is good for 6 months from the date of origination. No member or other discounts are available during the fixed rate introductory period.
Variable Rate Information After Introductory Period. The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from {{heloc-rate-low}}% to 16.00%. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate and margin of 0.25%. Alliant estimates the value of your home using Automated Value Models (AVMs) which are based on local real estate data. 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.
2. Interest-only Home Equity Line of Credit. Home equity products are available 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, D.C. The minimum loan amount is $10,000. The minimum loan amount is $25,001 in WI and Washington, D.C. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates and closing costs are subject to credit qualifications. Maximum loan to value of up to 85% depending on state in which the property is located and credit worthiness. The following states are limited to a maximum of 80% CLTV: AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT. Initial rate is based on loan amount, loan to value and credit history. We may not extend credit to you if you do not meet Alliant criteria. The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from {{heloc-rate-low}}% to 16.00%. Loans without automatic payment selection from an Alliant Credit Union account are subject to an increase in rate and margin of 0.25%. No closing costs (excluding applicant ordered appraisals and notary fees) based on Interest-only Home Equity Line of Credit (HELOC) loans up to $250,000 and meeting Alliant criteria. A fee of up to $1,000 is applied to Interest-only HELOC loans more than $250,000. Minimum payment will not repay principal, which will result in a higher principal and interest payment at the end of the 10-year draw period. Costs to satisfy certain prior liens may be assessed. The Annual Fee of $50 will be waived the first year but will be assessed in subsequent years. You will incur the annual fee even if you don't have a balance. Property insurance is required. Flood insurance may be required. We will require a full appraisal, at applicant's expense, in the event your property is in a FEMA-deemed natural disaster area. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. A $200 termination fee may be applied to an Interest-only HELOC cancelled or closed by the borrower within 36 months of origination. Refinancing of Alliant home equity products available; $250 fee on loans that do not increase the credit limit by $10,000 or more. Rates, terms, and conditions subject to change. Other restrictions may apply. Interest-only HELOC loans available on 1-to-2-unit owner-occupied dwellings. Please consult with an Alliant Loan Consultant at 800-328-1935 ext. 2570 for more information on an Alliant Interest-only Home Equity Line of Credit.
3. $817 first‑year savings estimate is a hypothetical example based on market data as of 3/6/2026 and assumes a $45,157 interest‑only HELOC balance. Comparison reflects the national average HELOC rate of 7.18% 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 and Experian.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.
