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Home Equity Loans & HELOC

Let Your Home's Equity Pay You Back!

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It's On The House.

Your house is an asset that can help you reach your financial goals. When you have equity in your home, you can turn it into an affordable home equity loan or home equity line of credit (HELOC) that can be used for a variety of needs: Home Improvements, Debt Consolidation, Vacations, College Tuition and more!

Two Great Options To Choose From

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Flex Home Equity Line of Credit (HELOC)

  • Apply for a credit limit that you can draw against in various amounts as needed.
  • Payments will vary from month to month based on the current balance of the line of credit.
  • Offers a “Lock” benefit that allows you to convert a portion of the outstanding balance to a fixed rate home equity loan in $5,000 or more increments.
  • Request a lock on an existing Flex HELOC
  • Keep remaining portion of your line of credit open for draws and payments as needed.
  • Remaining balance stays at the Line of Credit rate.

 

Flex Home Equity Line of Credit
Effective Date: Wednesday, May 21st, 2025
Loan to Value up toAPR as low as*Maximum APR
80.00% 7.25% 18.00%

Apply Online HELOC Calculator Lock an Existing Flex HELOC

*Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. Rate shown is the best rate offered for all Home Equity Loan Products, with a loan amount under $400,000, loan to value at or below 80%, and credit score of 740 or higher. The minimum line of credit is $5,000 and the minimum draw amount is $100. Fees charged for the closing of a Home Equity Line of Credit start at $275 and could be as high as $1,500. A home equity is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union for complete details. Credit Union reserves the right to end the promotion at any time and without notice.

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Fixed-rate, Fixed-term Home Equity Loan

  • Apply once for a specific loan amount with a specific term.
  • Enjoy Low Fixed Rates - Payments will be the same every month until the loan is paid off.
  • Perfect for members who want to borrow a certain amount and have set monthly payments.
  • Borrow up to 90% of your home's appraised or assessed value, or 90% of your home's appraised value less the outstanding first mortgage balance.
  • Choose from terms of 5, 10 or 15 years.

 

Home Equity Loan - Fixed Rate
Effective Date: Wednesday, May 21st, 2025
Loan to Value up toAPR as low as*Approximate Term
80.00% 6.26% up to 5 years
80.00% 6.76% up to 10 years

Apply Online

*Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. Rate shown is the best rate offered for all Home Equity Loan Products, with a loan amount under $400,000, loan to value at or below 80%, and credit score of 740 or higher. The minimum line of credit is $5,000 and the minimum draw amount is $100. Fees charged for the closing of a Home Equity Line of Credit start at $275 and could be as high as $1,500. A home equity is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union for complete details. Credit Union reserves the right to end the promotion at any time and without notice.

Which Home Equity Loan Is Right For Me?

A home equity loan is a type of loan in which you use the equity in your home as collateral. They are often used to finance major expenses such as home repairs, medical bills, or college education. A home equity loan does create a lien against your house and reduces actual home equity. We’re here to help find the right option for you.

 intentionally empty table header Flex Home Equity Line of Credit (HELOC) Fixed-Rate Home Equity Loan
Choose this loan if you:
  • Want to borrow on an as-needed basis (for emergencies, vacations, or other expenses)
  • Are comfortable with payments that vary based on the amount borrowed
  • Have a set amount you need to borrow
  • Want to know exactly what your monthly payments will be over the term
With this loan, you can:
  • Borrow up to 90% of your home’s appraised or assessed value less the outstanding first mortgage balance
  • Benefit from a rate that’s lower than many other loans
  • Pay interest, only when you have a balance.
  • Use the “Lock” benefit that allows you to convert a portion of the outstanding balance to a fixed rate home equity loan in$5,000 or more increments.
  • Borrow up to 90% of your home’s appraised or assessed value, or 90% of your home’s appraised value less the outstanding first mortgage balance
  • Enjoy low fixed rates
  • Choose from terms of 5, 10 or 15 years

Flex Home Equity Line of Credit (HELOC)

Choose this loan if you:

  • Want to borrow on an as-needed basis (for emergencies, vacations, or other expenses)
  • Are comfortable with payments that vary based on the amount borrowed

With this loan, you can:

  • Borrow up to 90% of your home's appraised or assessed value less the outstanding first mortgage balance
  • Benefit from a rate that's lower than many other loans
  • Pay interest, only when you have a balance.
  • Use the "Lock" benefit that allows you to convert a portion of the outstanding balance to a fixed rate home equity loan in $5,000 or more increments.

Fixed-Rate Home Equity Loan

Choose this loan if you:

  • Have a set amount you need to borrow
  • Want to know exactly what your monthly payments will be over the term

With this loan, you can:

  • Borrow up to 90% of your home's appraised or assessed value, or 90% of your home's appraised value less the outstanding first mortgage balance
  • Enjoy low fixed rates
  • Choose from terms of 5, 10 or 15 years

 

Closing Costs

There are minimal closing costs charged once your loan is funded. Those costs can be taken from the first draw, loan proceeds, or paid directly at closing.

Get Started

How would you like to begin?

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Home Equity Loan FAQs

How are home equity loans calculated?
How do home equity loans work?
How do you pay back a home equity line of credit?
How long are home equity loans?
What are the different types of home equity loans?
What can you use home equity loans for?
What is a home equity line of credit?

*Good for 120 days from the date credit is requested. Must be for the same product and terms as your pre-qualification. Purchase agreement required to lock into your final rate.

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