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!

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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!

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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.

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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.

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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.

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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

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

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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/HELOC-Early-Disclosure-2024-08.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.

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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.