Valley Credit Union

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Being a part of Valley Credit Union is really more like being a part of a close-knit family - one that functions for the betterment of all parties involved.

Home Equity Line of Credit - Valley Credit Union

A Home Equity Line of Credit is based off the equity in your home. You can use that equity as collateral to fund almost any need. A HELOC differs in that it's available anytime and can be accessed the moment a need arises.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Terms and Conditions

Sign up in less than 5 mins

Please enter the six-digit code that was sent to your email address.

Check Your Email for a Private Verification Code.

Apply for a Home Equity Line of Credit!

This information will help us qualify you for the best possible rate.

Tell us about the loan you are looking for.

By checking this box you agree to our <a href="https://www.valleyfcu.com/privacy-policy.html" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

I’ve stayed at this address for the past two years.

We use this information to verify your identity. Your information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your previous address?

Check if you would like to add a mailing address

This helps us find a loan that accounts for other monthly expenses.

What is your current living arrangement?

What’s your mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared.

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We use income data solely to verify your eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

Let’s document your income next.

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

Check if the joint applicant lives at the same address as you.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

They've stayed at the address for the past two years.

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their previous address?

Check if they would like to add a mailing address

What is their current living arrangement?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

We use income data solely to verify their eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

Let’s document their income next.

Would you like to add any of the following protection products to your loan?

Protecting Your Payment Is Important!

Please apply for the products that you would like to add to your account.Your choice on these products does not affect our credit decision.

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to contact us at MT Local: 406-656-9100, WY Local: 307-587-2274, or Toll Free: 800-735-6421.