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Home Equity Loan

Need help paying for a significant, one-time expense like a home remodel, school tuition, unexpected medical visit or a wedding? Get access to cash by borrowing against your home’s equity.

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home equity loan icon
  • Terms available from 5 to 15 years
  • Low fixed rate
  • Borrow up to 90% of your home’s value including existing mortgages
  • Lender paid closing costs*

Home Equity Line of Credit (HELOC)

Borrow what you need, when you need it. A HELOC is like a credit card that borrows against your home’s equity, for life's big or unexpected expenses. Pay for home improvements, education, medical or a wedding.

Apply Now
Home equity line of credit icon
  • 10-year draw period
  • 15-year repayment period
  • Borrow up to 90% of your home’s value including existing mortgages
  • Comes with a low variable rate tied to the prime lending rate**
  • One-time rate lock available2
  • May be tax deductible3

Interest-Only Home Equity Line of Credit (HELOC)

Getting ready to sell your home and need to spruce it up? Tap into your home’s equity to make it buyer-ready. An Interest-Only HELOC provides the benefits of a standard HELOC along with the advantage of interest-only payments for 10 years.

Apply Now
Home equity line of credit icon
  • 10-year draw period (interest only)
  • 15-year repayment period (principle and interest)
  • Borrow up to 90% of your home’s value including existing mortgages
  • Comes with a low variable rate tied to the prime lending rate**
  • May be tax deductible3

Home Equity Loan Rates

5 Year Term

As Low As

5.25% APR**

What’s My Loan to Value Ratio?

10 Year Term

As Low As

5.50% APR**

What’s My Loan to Value Ratio?

15 Year Term

As Low As

5.75% APR**

What’s My Loan to Value Ratio?

Home Equity Line of Credit Rates

15 Year Term

As Low As

5.00% APR**

What’s My Loan to Value Ratio?

View All Rates

*Closing costs will be waived on loans of $10,000 or more. Loans paid off or closed in less than 36 months from the loan origination date will require reimbursement of all closing costs.

**APR (Annual Percentage Rate) is based on creditworthiness and Loan-to-Value (LTV) ratio.  Home Equity Lines of Credit (HELOC) are variable and based on the Wall Street Journal Prime Rate. Rates and closing costs may vary based upon loan features or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate shown here are available to borrowers with an excellent credit history.

25,000 minimum, $50 Lock Fee

3Consult with a tax advisor for further information regarding the tax deductibility of interest and charges.

Offers are subject to credit union membership, credit approval and verification of information provided on application. The interest rates, APRs and closing costs are subject to change without notice. Fees vary depending on loan amount, interest rate, title required, insurance and taxes. Fees may range from $500 to $1,800 based on a general estimate.

NMLS #569755

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