{"id":6971,"date":"2021-07-14T11:29:53","date_gmt":"2021-07-14T15:29:53","guid":{"rendered":"https:\/\/www.natcocu.org\/home-equity-loans\/emma-copy\/"},"modified":"2025-12-19T09:25:31","modified_gmt":"2025-12-19T14:25:31","slug":"valerie","status":"publish","type":"page","link":"https:\/\/www.natcocu.org\/home-equity-loans\/valerie\/","title":{"rendered":"Valerie"},"content":{"rendered":"<div id='av-layout-grid-1'  class='av-layout-grid-container av-c5yrrg-7b7ca1c68080c648204643518565dccd entry-content-wrapper main_color av-flex-cells av-break-at-tablet  avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bxpg24-144ee768ec94addc68599e649a6146dd\">\n.flex_cell.av-bxpg24-144ee768ec94addc68599e649a6146dd{\nvertical-align:top;\nheight:360px;\nmin-height:360px;\nbackground:url(https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/Valerie-HELOC-Header.jpg) 50% 50% no-repeat scroll ;\n}\n.responsive #top #wrap_all .flex_cell.av-bxpg24-144ee768ec94addc68599e649a6146dd{\npadding:30px 30px 30px 30px !important;\n}\n<\/style>\n<div class='flex_cell av-bxpg24-144ee768ec94addc68599e649a6146dd av-gridrow-cell av_three_fifth no_margin av-hide-on-mobile  avia-builder-el-1  el_before_av_cell_two_fifth  avia-builder-el-first  content-align-top avia-full-stretch'  ><div class='flex_cell_inner'><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bsvnvw-4220cae1316d9ac24675fa075dc1ec88\">\n.flex_cell.av-bsvnvw-4220cae1316d9ac24675fa075dc1ec88{\nvertical-align:middle;\nheight:360px;\nmin-height:360px;\nbackground-color:#3f2c34;\n}\n.responsive #top #wrap_all .flex_cell.av-bsvnvw-4220cae1316d9ac24675fa075dc1ec88{\npadding:100px 100px 100px 100px !important;\n}\n<\/style>\n<div class='flex_cell av-bsvnvw-4220cae1316d9ac24675fa075dc1ec88 av-gridrow-cell av_two_fifth no_margin  avia-builder-el-2  el_after_av_cell_three_fifth  avia-builder-el-last  content-align-middle'  ><div class='flex_cell_inner'><div class='flex_column_table av-bmyi9w-07665c5e51a025e39d259c8242bf6ec5 sc-av_one_full av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bmyi9w-07665c5e51a025e39d259c8242bf6ec5\">\n.flex_column.av-bmyi9w-07665c5e51a025e39d259c8242bf6ec5{\nborder-radius:10px 10px 10px 10px;\npadding:0 0 0 0;\n}\n<\/style>\n<div  class='flex_column av-bmyi9w-07665c5e51a025e39d259c8242bf6ec5 av_one_full  avia-builder-el-3  avia-builder-el-no-sibling  first flex_column_table_cell av-equal-height-column av-align-top av-animated-generic bottom-to-top av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9bp8s-006707ba9687cc7e1554249f4ca0dd29\">\n#top .av-special-heading.av-9bp8s-006707ba9687cc7e1554249f4ca0dd29{\npadding-bottom:25px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-9bp8s-006707ba9687cc7e1554249f4ca0dd29 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-9bp8s-006707ba9687cc7e1554249f4ca0dd29 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-9bp8s-006707ba9687cc7e1554249f4ca0dd29 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-9bp8s-006707ba9687cc7e1554249f4ca0dd29 av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-4  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >When Valerie found herself in debt, she <span class='special_amp'>\u201c<\/span>popped<span class='special_amp'>\u201d<\/span> into Natco Credit Union. See how she turned the corner thanks to a little help from a friend.<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n<\/div><\/div>\n<\/div>\n<div id='av_section_1'  class='avia-section av-aj01jw-e06edda006dcc25dd4b5bc0f77c4ae2f main_color avia-section-large avia-no-border-styling  avia-builder-el-5  el_after_av_layout_row  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-6971'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ad41lw-f995d9367c5fedcefc05f35ce8919e73\">\n.flex_column.av-ad41lw-f995d9367c5fedcefc05f35ce8919e73{\nborder-radius:0px 0px 0px 0px;\npadding:0px 50px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ad41lw-f995d9367c5fedcefc05f35ce8919e73 av_three_fifth  avia-builder-el-6  el_before_av_two_fifth  avia-builder-el-first  first av-break-at-tablet flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-49f4j8-708cc31a130070c0f546575af489e963\">\n#top .av-special-heading.av-49f4j8-708cc31a130070c0f546575af489e963{\npadding-bottom:30px;\n}\nbody .av-special-heading.av-49f4j8-708cc31a130070c0f546575af489e963 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-49f4j8-708cc31a130070c0f546575af489e963 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-49f4j8-708cc31a130070c0f546575af489e963 av-special-heading-h2 blockquote modern-quote  avia-builder-el-7  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Did your credit card debt grow in 2020?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-3akmi3-19c77f30a2b4099752479a4ad3b53653 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>When Valerie came to Natco Credit Union, she reminded us of so many of the members we know. For the past few years, she has been smart about her spending. She hadn\u2019t been able to save up a lot, but her job at a local hotel was enough that she wasn\u2019t falling behind.<\/p>\n<p>Then things changed.<\/p>\n<p>When the pandemic hit, fewer and fewer people were staying at the hotel. There were cuts in hours and staff and Valerie found herself with less income than before. Unfortunately, she didn\u2019t have many expenses that could be cut, she was already managing without a lot discretionary purchases already. The credit card helped cover some necessities, but that\u2019s when the balances started to add up.<\/p>\n<p>The payments started out small enough, but they too began to grow. After a few months, all she could afford were the minimums. But those payments weren\u2019t paying down the balance. Every month, trying to keep up was getting harder and harder.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-a5yvw4-1eccd4be419c530bf3abc19faf3543b1\">\n#top .av-special-heading.av-a5yvw4-1eccd4be419c530bf3abc19faf3543b1{\npadding-bottom:30px;\n}\nbody .av-special-heading.av-a5yvw4-1eccd4be419c530bf3abc19faf3543b1 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-a5yvw4-1eccd4be419c530bf3abc19faf3543b1 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-a5yvw4-1eccd4be419c530bf3abc19faf3543b1 av-special-heading-h2 blockquote modern-quote  avia-builder-el-9  el_after_av_textblock  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >The Turning Point<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-9yuncs-e67971547e135a7cc265eba45a020a0a '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>It all started with some popcorn. Valerie had covered a purchase for a friend for a Boy Scouts fundraiser When she received the check from her friend, she stopped by Natco Credit Union to deposit it.<\/p>\n<p>There, the member service representative who deposited her check asked her \u201cValerie, you\u2019ve lived in your home for a while now, right?\u201d<\/p>\n<p>\u201cYes. I guess it\u2019s been more than ten years now!\u201d She said.<\/p>\n<p>\u201cWould it make sense to talk about using that to have a line of credit, maybe just some security or a way to pay down any debt you might have?\u201d<\/p>\n<p>Valerie immediately agreed to take a look at things with her banker that day.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-40m4i3-6239731e9f10fb6d48a11f09d690bd2c\">\n#top .av-special-heading.av-40m4i3-6239731e9f10fb6d48a11f09d690bd2c{\npadding-bottom:30px;\n}\nbody .av-special-heading.av-40m4i3-6239731e9f10fb6d48a11f09d690bd2c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-40m4i3-6239731e9f10fb6d48a11f09d690bd2c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-40m4i3-6239731e9f10fb6d48a11f09d690bd2c av-special-heading-h2 blockquote modern-quote  avia-builder-el-11  el_after_av_textblock  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >The Solution<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-2d1hpn-7a01b439405accfa37258450de9e337f '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Valerie applied for a home equity line of credit (HELOC). Since she had been keeping up those minimum payments on the credit card, her credit score was still high, and she got a really low interest rate.<\/p>\n<p>She transferred the balance of the credit card to the HELOC and cut her interest rate to less than a quarter of what it was before.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-20atcw-7afeb53aa27d8b595920010de1f38443\">\n.flex_column.av-20atcw-7afeb53aa27d8b595920010de1f38443{\nborder-radius:0px 0px 0px 0px;\npadding:50px 50px 50px 50px;\nbackground-color:#f3f3f3;\n}\n<\/style>\n<div  class='flex_column av-20atcw-7afeb53aa27d8b595920010de1f38443 av_two_fifth  avia-builder-el-13  el_after_av_three_fifth  el_before_av_hr  sticky heloc av-break-at-tablet flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d\">\n#top .av-special-heading.av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d{\npadding-bottom:10px;\nfont-size:48px;\n}\nbody .av-special-heading.av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d .av-special-heading-tag{\nfont-size:48px;\n}\n.av-special-heading.av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-kr3lzzrw-50235102bfeb5798e9d4aacb583f902d av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-14  el_before_av_hr  avia-builder-el-first  av-inherit-size'><div class='av-subheading av-subheading_above'><p>Rates as low as:<\/p>\n<\/div><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >6.50% APR<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2jtu0b-13eff1856daa951e86db9d9dbfb9ae7a\">\n#top .hr.hr-invisible.av-2jtu0b-13eff1856daa951e86db9d9dbfb9ae7a{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-2jtu0b-13eff1856daa951e86db9d9dbfb9ae7a hr-invisible  avia-builder-el-15  el_after_av_heading  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-24mmxg-19626cb31dd300460fb331acf3bf44c0\">\n#top .av_textblock_section.av-24mmxg-19626cb31dd300460fb331acf3bf44c0 .avia_textblock{\nfont-size:14px;\n}\n<\/style>\n<section  class='av_textblock_section av-24mmxg-19626cb31dd300460fb331acf3bf44c0 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\">Natco home equity lines of credit include a 10 year draw period plus a 15 year repayment period.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2qxj97-37e778281aa68c6c4d4b76a4f50db08a\">\n#top .hr.av-2qxj97-37e778281aa68c6c4d4b76a4f50db08a{\nmargin-top:20px;\nmargin-bottom:20px;\n}\n.hr.av-2qxj97-37e778281aa68c6c4d4b76a4f50db08a .hr-inner{\nwidth:100%;\nborder-color:#ebebeb;\n}\n<\/style>\n<div  class='hr av-2qxj97-37e778281aa68c6c4d4b76a4f50db08a hr-custom  avia-builder-el-17  el_after_av_textblock  el_before_av_button  hr-center hr-icon-no'><span class='hr-inner inner-border-av-border-thin'><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-button-wrap av-20n16j-e7e7129f28482d225f141234c55f50da-wrap avia-button-center  avia-builder-el-18  el_after_av_hr  avia-builder-el-last '><a href='https:\/\/app.loanspq.com\/he\/HomeEquityLoan.aspx?lenderref=Natcocu3119'  class='avia-button av-20n16j-e7e7129f28482d225f141234c55f50da av-link-btn avia-icon_select-no avia-size-x-large avia-position-center avia-color-orange'   aria-label=\"Apply Now\"><span class='avia_iconbox_title' >Apply Now<\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-40rp44-a992484d40c7e723855fe895e9145161\">\n#top .hr.hr-invisible.av-40rp44-a992484d40c7e723855fe895e9145161{\nheight:1px;\n}\n<\/style>\n<div  class='hr av-40rp44-a992484d40c7e723855fe895e9145161 hr-invisible  avia-builder-el-19  el_after_av_two_fifth  avia-builder-el-last  stopit'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_2'  class='avia-section av-idgqgg-74053cc1e21e3193782b194688f0002d main_color avia-section-default avia-no-border-styling  avia-builder-el-20  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-6971'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-h5d5og-ef7fd084ecbfbe1fce9bceac59c10ecd sc-av_one_third av-break-at-tablet-flextable av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-h5d5og-ef7fd084ecbfbe1fce9bceac59c10ecd\">\n.flex_column.av-h5d5og-ef7fd084ecbfbe1fce9bceac59c10ecd{\nborder-radius:0px 0px 0px 0px;\npadding:35px 35px 35px 35px;\nbackground-color:#666666;\n}\n<\/style>\n<div  class='flex_column av-h5d5og-ef7fd084ecbfbe1fce9bceac59c10ecd av_one_third  avia-builder-el-21  el_before_av_one_third  avia-builder-el-first  first av-break-at-tablet flex_column_table_cell av-equal-height-column av-align-middle  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kr3lgdu8-0b66814a0a6fa30030761e4ff8f76647\">\n#top .av-special-heading.av-kr3lgdu8-0b66814a0a6fa30030761e4ff8f76647{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-kr3lgdu8-0b66814a0a6fa30030761e4ff8f76647 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-kr3lgdu8-0b66814a0a6fa30030761e4ff8f76647 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-kr3lgdu8-0b66814a0a6fa30030761e4ff8f76647 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-kr3lgdu8-0b66814a0a6fa30030761e4ff8f76647 av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-22  avia-builder-el-no-sibling '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Home equity lines of credit (HELOC) can be used to accomplish many goals. Here\u2019s a couple more examples\u2026<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dv4gxs-7853b0631e86dde16fb05455651b82f5\">\n.flex_column.av-dv4gxs-7853b0631e86dde16fb05455651b82f5{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-dv4gxs-7853b0631e86dde16fb05455651b82f5 av_one_third  avia-builder-el-23  el_after_av_one_third  el_before_av_one_third  av-break-at-tablet flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-caisgg-cc4d00925331ef20811d9c1b3a0b5dbf\">\n.avia-image-container.av-caisgg-cc4d00925331ef20811d9c1b3a0b5dbf img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-caisgg-cc4d00925331ef20811d9c1b3a0b5dbf .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-caisgg-cc4d00925331ef20811d9c1b3a0b5dbf av-styling-no-styling av-img-linked avia-align-left  avia-builder-el-24  el_before_av_hr  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><a href=\"https:\/\/www.natcocu.org\/home-equity-loans\/the-vance-family\/\" class='avia_image '  ><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-6994 avia-img-lazy-loading-not-6994 avia_image ' src=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/vance-fam-thumb.jpg\" alt='vance family at table (link to story)' title=''  height=\"512\" width=\"800\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/vance-fam-thumb.jpg 800w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/vance-fam-thumb-300x192.jpg 300w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/vance-fam-thumb-768x492.jpg 768w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/vance-fam-thumb-705x451.jpg 705w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bn690-1b323c79f1223078ca499185ae1bfe85\">\n#top .hr.hr-invisible.av-bn690-1b323c79f1223078ca499185ae1bfe85{\nheight:1px;\n}\n<\/style>\n<div  class='hr av-bn690-1b323c79f1223078ca499185ae1bfe85 hr-invisible  avia-builder-el-25  el_after_av_image  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kr3lldsv-c29f5b507c2d867058f2e4791792d5bd\">\n#top .av-special-heading.av-kr3lldsv-c29f5b507c2d867058f2e4791792d5bd{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-kr3lldsv-c29f5b507c2d867058f2e4791792d5bd .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-kr3lldsv-c29f5b507c2d867058f2e4791792d5bd .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-kr3lldsv-c29f5b507c2d867058f2e4791792d5bd av-special-heading-h3 blockquote modern-quote  avia-builder-el-26  el_after_av_hr  el_before_av_iconlist '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >The Vance Family didn\u2019t realize it at first, but the best move they could make when they needed more space was to stay exactly where they were.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-icon-list-container av-7cd1e8-f5159e6748c95c10c1f8ab795cfdb1e9  avia-builder-el-27  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-small av-7cd1e8-f5159e6748c95c10c1f8ab795cfdb1e9 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-5bunmo-e44361f7060c1b5285c03877fb73d1b4 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue879' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry av-iconlist-empty\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: &lt;a href=&#039;https:\/\/www.natcocu.org\/home-equity-loans\/the-vance-family\/&#039; title=&#039;See how&#039;&gt;See how&lt;\/a&gt;\"><div class='av_iconlist_title iconlist_title_small  '  itemprop=\"headline\" ><a href='https:\/\/www.natcocu.org\/home-equity-loans\/the-vance-family\/' title='See how'>See how<\/a><\/div><\/header><div class='iconlist_content '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6uhltc-d39f46c8271876d813e18a8c66084bc4\">\n.flex_column.av-6uhltc-d39f46c8271876d813e18a8c66084bc4{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-6uhltc-d39f46c8271876d813e18a8c66084bc4 av_one_third  avia-builder-el-28  el_after_av_one_third  avia-builder-el-last  av-break-at-tablet flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5o81kw-fe919cfec6e6b81b3d549b03f71f97b7\">\n.avia-image-container.av-5o81kw-fe919cfec6e6b81b3d549b03f71f97b7 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-5o81kw-fe919cfec6e6b81b3d549b03f71f97b7 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-5o81kw-fe919cfec6e6b81b3d549b03f71f97b7 av-styling-no-styling av-img-linked avia-align-left  avia-builder-el-29  el_before_av_hr  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><a href=\"https:\/\/www.natcocu.org\/home-equity-loans\/morgan\/\" class='avia_image '  ><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-6996 avia-img-lazy-loading-not-6996 avia_image ' src=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/morgan-thumb.jpg\" alt='two people wearing rain boots' title=''  height=\"512\" width=\"800\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/morgan-thumb.jpg 800w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/morgan-thumb-300x192.jpg 300w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/morgan-thumb-768x492.jpg 768w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/morgan-thumb-705x451.jpg 705w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6awges-aa276be07a5e07d848137fe1503f74b8\">\n#top .hr.hr-invisible.av-6awges-aa276be07a5e07d848137fe1503f74b8{\nheight:1px;\n}\n<\/style>\n<div  class='hr av-6awges-aa276be07a5e07d848137fe1503f74b8 hr-invisible  avia-builder-el-30  el_after_av_image  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kr3ln6xw-1d9ea7cbc2056103f437e0ae1529b350\">\n#top .av-special-heading.av-kr3ln6xw-1d9ea7cbc2056103f437e0ae1529b350{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-kr3ln6xw-1d9ea7cbc2056103f437e0ae1529b350 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-kr3ln6xw-1d9ea7cbc2056103f437e0ae1529b350 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-kr3ln6xw-1d9ea7cbc2056103f437e0ae1529b350 av-special-heading-h3 blockquote modern-quote  avia-builder-el-31  el_after_av_hr  el_before_av_iconlist '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >When a storm threatened to sink her plans, Morgan found security. See how Natco helped float her through trouble.<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-icon-list-container av-detww-88fc5f0f7b24a993a4c5b603ab370bfd  avia-builder-el-32  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-small av-detww-88fc5f0f7b24a993a4c5b603ab370bfd avia-iconlist-animate'>\n<li><div class='iconlist_icon av-7vhzk-a0f16b7c1003d230ff7893c426e53df9 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue879' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry av-iconlist-empty\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: &lt;a href=&#039;https:\/\/www.natcocu.org\/home-equity-loans\/morgan\/&#039; title=&#039;See how&#039;&gt;See how&lt;\/a&gt;\"><div class='av_iconlist_title iconlist_title_small  '  itemprop=\"headline\" ><a href='https:\/\/www.natcocu.org\/home-equity-loans\/morgan\/' title='See how'>See how<\/a><\/div><\/header><div class='iconlist_content '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_3'  class='avia-section av-70mvo-f8cf7421b8631c4e6859ad3700037ffb main_color avia-section-default avia-no-border-styling  avia-builder-el-33  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-6971'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kr3nai8k-9d3725afc80ec69ba87e77c3dcd39ea4\">\n#top .av_textblock_section.av-kr3nai8k-9d3725afc80ec69ba87e77c3dcd39ea4 .avia_textblock{\nfont-size:14px;\n}\n<\/style>\n<section  class='av_textblock_section av-kr3nai8k-9d3725afc80ec69ba87e77c3dcd39ea4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\"><em>The Natco Credit Union HELOC examples are fictitious and not based on real people or stories. Any resemblance to actual events or locales or persons is entirely coincidental. If you&#8217;d like to share your story with us, we&#8217;d love to hear it! Just contact us <a href=\"mailto:natco@natcocu.org?subject=HELOC Member Story\">here<\/a> and tell us how you&#8217;re putting your HELOC to work.<\/em><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-krnxpd86-2f79138924c13ea18abf5c12ac7312b3\">\n.avia-image-container.av-krnxpd86-2f79138924c13ea18abf5c12ac7312b3 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-krnxpd86-2f79138924c13ea18abf5c12ac7312b3 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-krnxpd86-2f79138924c13ea18abf5c12ac7312b3 av-styling- avia-align-center  avia-builder-el-35  el_after_av_textblock  avia-builder-el-last '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-7059 avia-img-lazy-loading-not-7059 avia_image ' src=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/Natco-EHL_logo-dark-300x54.png\" alt='Natco EHL logo' title=''  height=\"54\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/Natco-EHL_logo-dark-300x54.png 300w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2021\/07\/Natco-EHL_logo-dark.png 403w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1wsry4-badd05dfd6c943f227559a4541c573e2\">\n.avia-section.av-1wsry4-badd05dfd6c943f227559a4541c573e2{\nbackground-color:#5b8998;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_4'  class='avia-section av-1wsry4-badd05dfd6c943f227559a4541c573e2 main_color avia-section-huge avia-no-border-styling  avia-builder-el-36  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-6971'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1pbw5w-726361423f2a2c22e19d23bf42361e68\">\n.flex_column.av-1pbw5w-726361423f2a2c22e19d23bf42361e68{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-1pbw5w-726361423f2a2c22e19d23bf42361e68 av_one_fifth  avia-builder-el-37  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5kji4-1204071efeec727a0fde7fb99a0e282d\">\n.flex_column.av-5kji4-1204071efeec727a0fde7fb99a0e282d{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-5kji4-1204071efeec727a0fde7fb99a0e282d av_three_fifth  avia-builder-el-38  el_after_av_one_fifth  el_before_av_one_fifth  flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1cs9oc-66934f98c626fb1d6882b6da6f461c95\">\n#top .av-special-heading.av-1cs9oc-66934f98c626fb1d6882b6da6f461c95{\npadding-bottom:25px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-1cs9oc-66934f98c626fb1d6882b6da6f461c95 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1cs9oc-66934f98c626fb1d6882b6da6f461c95 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-1cs9oc-66934f98c626fb1d6882b6da6f461c95 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1cs9oc-66934f98c626fb1d6882b6da6f461c95 av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-39  el_before_av_textblock  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Get the help you need today and tomorrow with Natco\u2019s Home Equity Loan <\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1aclt8-c1c901e3d08b0bcd276af61db8ea3600\">\n#top .av_textblock_section.av-1aclt8-c1c901e3d08b0bcd276af61db8ea3600 .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-1aclt8-c1c901e3d08b0bcd276af61db8ea3600 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p style=\"text-align: center;\">Choose the Natco Home Equity Loan to help you handle life\u2019s goals and challenges. Apply online today. Have questions? We\u2019re happy to help. Contact us at<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-127tos-0e4afbf129d1e870c3a880342bd4c2ce\">\n#top .hr.hr-invisible.av-127tos-0e4afbf129d1e870c3a880342bd4c2ce{\nheight:40px;\n}\n<\/style>\n<div  class='hr av-127tos-0e4afbf129d1e870c3a880342bd4c2ce hr-invisible  avia-builder-el-41  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-y8y64-1e22e458b5117636bae295d94ebb9a47\">\n#top .av_textblock_section.av-y8y64-1e22e458b5117636bae295d94ebb9a47 .avia_textblock{\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-y8y64-1e22e458b5117636bae295d94ebb9a47 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><h3 style=\"text-align: center;\"><strong>(765) 962-2561 or &#8230;<br \/>\n<\/strong><\/h3>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ogouc-83191cd2d0598a213609bbb71c1b7a2c\">\n#top .hr.hr-invisible.av-ogouc-83191cd2d0598a213609bbb71c1b7a2c{\nheight:10px;\n}\n<\/style>\n<div  class='hr av-ogouc-83191cd2d0598a213609bbb71c1b7a2c hr-invisible  avia-builder-el-43  el_after_av_textblock  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-button-wrap av-m5dm4-cf18bc5b859e3c12ac8096e88e0e6c27-wrap avia-button-center  avia-builder-el-44  el_after_av_hr  avia-builder-el-last '><a href='https:\/\/www.natcocu.org\/contact-us-now\/'  class='avia-button av-m5dm4-cf18bc5b859e3c12ac8096e88e0e6c27 av-link-btn avia-icon_select-no avia-size-large avia-position-center avia-color-orange'   aria-label=\"Contact Us\"><span class='avia_iconbox_title' >Contact Us<\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dlt30-9b529c5a1e71e077611d57f24212c8da\">\n.flex_column.av-dlt30-9b529c5a1e71e077611d57f24212c8da{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-dlt30-9b529c5a1e71e077611d57f24212c8da av_one_fifth  avia-builder-el-45  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_5'  class='avia-section av-zix0-68c00088c3bcc192283a77d7a950a658 main_color avia-section-no-padding avia-no-border-styling  avia-builder-el-46  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll av-minimum-height av-minimum-height-custom av-height-custom  container_wrap sidebar_right'   data-av_minimum_height_px='15'><div class='container av-section-cont-open' style='height:15px'><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-6971'><div class='entry-content-wrapper clearfix'><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_5'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-6971'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":13,"featured_media":0,"parent":476,"menu_order":38,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6971","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - 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