Home Equity Options
Utilize your home’s valuable equity as a line of credit or one-time fixed term loan. Enjoy 24/7 access to those funds for home improvement projects, debt consolidation, family vacation plans — anything life demands.
With the equity in your home you can turn dreams to reality.
Home Equity Line of Credit (HELOC)
Tap into up to 90% of your home’s value and easily access the funds 24/7 via Digital Banking ($500 minimum advance).
As low as
4.70%
Intro APR1
- 10 year repayment term
- Low variable rate
- Revolving line of credit
Home Equity Fixed Rate Loan
Great for larger one-time purchases, debt consolidation, and home renovations.
Get a Low
Fixed
Rate
- 5, 10, 15-year repayment terms2
- $0 pre-payment or annual fees
- Lump sum payout
Does a HELOC or Home Equity Loan work best for you?
The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.
Not sure which home equity option works best for you?
Our team of Home Equity experts are here to help. Chat with us today or schedule an appointment in branch to discuss which Home Equity product is the best fit for your financial goals.
- 1 Introductory Annual Percentage Rate (APR) of 4.70% for the first 12 months is a promotional offer available for new HELOC applications or those refinancing an existing HELOC from another financial institution, provided the application meets the following qualifications: (1) minimum credit score of 700 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, and (3) minimum line of $10,000 selected. (4) Member is Advantage Plus status at the time of application. Estimated monthly payment for a $10,000 HELOC during the introductory period for the following APR: 4.70% = $39.65 (interest only). Applicants that meet the first three qualifications but do not meet Advantage Plus Rewards qualifications will have an APR of 4.95% for the first 12 months. Following the promotional period of 12 months, the APR will revert to a variable rate, which is as low as 6.25% APR as of 02/16/2026, which may change quarterly based on an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.
- Estimated monthly payment for a $40,000 Home Equity Loan for the following terms and Annual Percentage Rates: 5 year 8.064% = $796.77; 10 year 8.845% = 493.27; 15 year 10.766% = 439.06.
All offers and rates are subject to change at any time. Rate and terms may vary based on creditworthiness of borrower. Restrictions apply.