Looking to unlock the equity in your home. Apply for one of our many Home Equity options today. Apply online.

Fixed Rate Home Equity Loans

Our fixed rate home equity loan is perfect for budgeting purposes. You can count on the same monthly payment for the life of the loan.

Maximum Loan-to-value:
Financing available up to 100% based on credit criteria

Loan Limits:
Minimum Loan Amount: $5,000
Maximum Loan Amount: $200,000

Minimum Loan Advance:
N/A, however, a one-time processing fee of $250 is charged if $10,000 of new money is not advanced at the closing.

Interest Rate:
Fixed

Term:
Maximum of 15 years (based on amount borrowed)

Home Equity Line of Credit (HELOC)*

With a HELOC, you use it when you need it! This revolving line of credit can be used over and over (up to the maximum amount of your line). We now offer you multiple ways to access your funds. Simply write yourself an advance by using the special home equity checks provided. Or, you have the ability to access your available funds through any teller at any branch, over the telephone through our Information Center, via Online Banking or by using the Home Equity Line of Credit Visa Credit Card**. Also, there are no closing costs on a HELOC, when you advance $10,000 or more at closing.

Maximum Loan-to-Value:
Financing available up to 100% based on credit criteria

Minimum Loan Advance:
N/A, however, a one-time processing fee of $150 is charged if $10,000 of new money is not advanced at the closing.

Loan Limits:
Minimum Loan Amount: $5,000
Maximum Loan Amount: Up to 100% value of borrower's residence

Interest Rate:
Your adjustable rate will be determined by the Loan-to-Value (up to 100%) of your home with rates starting as low as Prime Rate -.25% with no rate caps, but a maximum rate.

Term:
Maximum repayment period of 20 years
Draw period of 20 years

Payment:
Calculated at 2% of the outstanding balance (rounded to the next highest $1.00) with a minimum payment of $50.R

Equal Housing Lender

Tax advisor should be consulted regarding deductibility of interest.

*Subject to underwriting guidelines.

**The daily limit on HELOC Visa point-of-sale transactions is $10,000. If you need an increase on the point-of-sale transaction limit, please contact the credit union. A limit of $400 per day is available at the ATM's. No Point2Point Rewards will be earned for the use of a HELOC Visa Credit Card.