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Home Equity Loans

One of the biggest benefits of home ownership is the ability to leverage the equity in your home to help pay for life's unexpected expenses and opportunities — no matter what they may be.

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Fixed 10 & 15-Year Home Equity Loan:

  • The borrower receives one lump sum amount upfront
  • Loans up to $766,550 (an appraisal will be needed for any loan above $100,000)
  • 10-year and 15-year repayment terms with fixed, predictable payments over the course of the loan
  • Low fixed interest rate for the life of the loan
  • Quick approvals have your funds available in no time
  • Possible tax advantages (please consult your tax advisor)

Apply for a Home Equity Loan

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Home Equity Line of Credit

  • Take advances as often as you need them
  • Credit lines starting at $10,000 with low monthly payments
  • ​​No restrictions on how you spend your funds
  • Quick approvals have your funds available in no time
  • Interest accrues only on funds as they are drawn
  • Variable rates as low as 8.50% APR*
  • Possible tax advantages (please consult your tax advisor)
  • Optional loan protection coverage available that will take over your loan payment if you become disabled, deceased, or unemployed 

Apply for a HELOC

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Fixed Home Equity Loan Rates

Term Rate Points APR as low as*
10-year HEL 8.125% 0 8.206%
15-year HEL 8.375% 0 8.434%

Home Equity Line of Credit Rates

Name APR as low as*
Home Equity Line of Credit 8.50%

*Annual Percentage Rate (APR). The APR is variable and is the lowest rate available. APR is based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR is 15%. Subject to credit approval. An Automated Valuation Model (AVM) will be used to determine equity on HELOC requests amounts less than $75,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. There are closing costs on the loan that are specific to each member's situation. Subject to change without notice.

** Annual Percentage Rate (APR). Rate is the credit union's standard rate and changes frequently. Advertised APR is lowest rate available. APRs are calculated on a $100,000 mortgage, owner occupied single family detached with 780 FICO. Subject to credit approval. Appraisal required for amounts over $100,000. An Automated Valuation Model (AVM) will be used to determine equity on Home Equity Loan requests. Some restrictions apply. Program, rate, terms and conditions are subject to change without notice.