Argent Credit Union

#646464

Argent Credit Union in Richmond VA is a full-service, not-for-profit, member-owned cooperative. Learn about our locations in Richmond, Chester, & Midlothian.

Argent Credit Union - Richmond | Chesterfield | Midlothian | Chester | Home Equity Line of Credit

Dreaming of a total kitchen remodel? Paying tuition expenses? Planning a dream wedding? A Home Equity Line of Credit can help with it all and more! We offer up to 90% of your home’s equity. Use the money only when you need it. With an introductory 5.49% fixed Annual Percentage Rate (APR) for the first twelve months and no closing costs (refer to Home Equity Early Disclosure), your dreams could be closer to reality than you think!

By providing us with a mobile number, you are expressly consenting to receive communications which may include text messages and calls from Argent Credit Union. Calls and messages may incur fees from your cellular provider.

Terms and Conditions

Enter Mobile Number to Begin:

Please enter the six-digit code that was sent to your mobile device.

Check Your Device for a Private Verification Code

From home improvement to debt consolidation, tapping into your home's equity is the smart way to borrow.

Apply for a Home Equity Line of Credit!

<div class='flex-column tc ma-4 lh-2'>Benefits of Banking at Argent &checkmark; We Provide Top-Notch Service</div>

Tell us about the loan you are looking for.

By checking this box you agree to our <a href="https://www.argentcu.org/privacy-notice/" target="_blank">Privacy Policy</a>.

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

<div class='flex-column tc ma-4 lh-2'>Benefits of Banking at Argent &checkmark; We Offer a Variety of Products</div>

Let’s start with your name.

eMail Address

We’ll email you important information about your application.

Confirm eMail Address

<div class='flex-column tc ma-4 lh-2'>Benefits of Banking at Argent &checkmark; Great Rates & Low Fees</div>

How can we get in touch with you?

Please check the box if you have an alternate mailing address.

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 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.

Okay, now 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.

Let’s verify your identity.

Check this box if you have been working here for less than 2 years.

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.

Do you earn any extra income?

Indicate if the following is true for you.

We only offer Home Equity Lines of Credit to primary residences that have owned their home for 6 months. If you are a second home owner, the owner of an investment property, or a new homeowner, visit <a href='https://www.argentcu.org/mortgages/' target='_blank'>here</a> to apply for a mortgage or <a href='https://onboard.cotribute.co/flows/57756364-0ccf-4f74-8438-a6f2a1020a3a'>here</a> to apply for a personal loan.

Contact us for further assistance: 804.748.9488

Did you mean to start a mortgage?

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

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s collect information about your joint applicant.

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?

Tell us a little about your joint applicant.

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

What’s their home 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.

Check this box if they have been working there for less than 2 years.

We use income data solely to verify 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.

Do they earn any extra income?

Indicate if the following is true for your joint applicant

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

What is their current living arrangement?

By checking this box you agree to our <a href=https://www.argentcu.org/wp-content/uploads/Argent-HELOC-Early-Disclosure.pdf' target='_blank'>Home Equity Loan Early Disclosure</a>.

Please read and accept these disclosures.

By clicking the "SUBMIT APPLICATION" button, you acknowledge that this application is submitted to obtain credit and I (we) certify that all information herein is true and complete. I (We) also, authorize the credit union to verify or obtain further information the credit union may deem necessary concerning my (our) credit standing.

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 (804) 748-9488 or (800) 943-3328, option 2.