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Routing Number: 272483633

Home Equity Loans

Write a Review Pay an Epic ZERO annual fee, pre-payment penalty, and closing costs!1

Home Equity Line of Credit or Fixed Loan?

We’ll guide you through your options and help give you quick access to financing.

Home Equity
Line of Credit

Interest-only payments for 10 years; amortized repayment thereafter
Low variable rate2
$0 annual fee
$0 pre-payment penalty
$0 closing costs1
Accessible for a
10-year draw period
Manage in Digital Banking
Interest may be tax deductible3
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Home Equity
Loan

5, 10, or 15-year
repayment terms

Low fixed rate2
$0 annual fee

$0 pre-payment penalty

Single
one-time draw
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With Member Advantage Rewards, earn better rates and incentives!

Home Equity Line of Credit Rates2

Combined Loan-to-Value at or Below 70%
as Low as
4.25% APR
Combined Loan-to-Value 71% - 80%
as Low as
4.75% APR
Combined Loan-to-Value 81% - 90%
as Low as
5.75% APR

Start planning that remodel, consolidate high interest debt, even take that dream vacation, and more!

Check List of items needed

Required documents for all applications:

  • Two most recent paystubs for each borrower and must include YTD income totals
  • Two most recent W2s for each borrower (tax returns may not be used in place of W2s)
  • Most recent award letter, most recent 1099, or most recent two months’ direct deposit statements
  • Most recent 1099, or most recent two months’ direct deposit statements
  • Most recent account statement showing the distribution amount along with the account balance
  • Most recent two years’ complete federal tax returns

Other documents that may be needed:

  • Award letter or two months' direct deposit statements
  • Divorce decree/support order