Notice: As of Monday, June 7, 2021, our branch lobbies are open to accommodate walk-ins Monday through Friday in addition to continuing to offer scheduled appointments and drive-thru services.

Home Equity Line of Credit


Whether you are paying for college, funding home improvements or financing another goal, Vinings Bank Home Equity Line of Credit (HELOC) is a flexible line of credit secured by the equity in your home. We offer competitive rates and convenient access with the quick decision-making that can only be found at a locally run, community bank.


Advantages include:


  • Low closing costs (depending on the product structure chosen)
  • Variable and fixed-rate options
  • Decide when and how much to borrow up to a preset limit; pay principal and interest only on the amount you use
  • Paid interest could be tax-deductible (please consult your tax advisor)
  • Reuse credit line over and over again with no need to apply for a new loan
  • Money from the credit line is spent using checks


During the normal business hours of Monday - Friday,

8:30 a.m. - 5:00 p.m., please call (866) 618-4123, otherwise please call (800) 554-8969 for immediate assistance.

We take your financial security very seriously. Please do not wait to report a lost or stolen ATM/debit card. Once you contact us, one of our team members will take care of having a replacement card issued to you as soon as possible.

Vinings Bank

4135 Atlanta Road

Smyrna, Georgia 30080

Map / Directions


Mailing Address

Vinings Bank

P.O. Box 725189

Atlanta, Georgia 31139

v: (770) 437-0004

f: (770) 951-1155



9:00 a.m. - 4:00 p.m.

Monday - Friday

Excluding Federal Holidays

Vinings Bank

North Fulton Banking Office

5960 North Point Parkway
Alpharetta, GA 30022

(678) 710-2820


Map / Directions