Home Equity Loan

A Loan that fits your needs

The equity in your home is the difference between its value and any outstanding mortgages. You can use that equity to finance home improvements, college tuition, or even a large purchase, such as a car or the trip of a lifetime.

On your Home Equity Loan the rate is fixed, so the payment never changes. Your Home Equity Line of Credit, like the Credit Union, is always there for you when you need it. Access it online 24/7.

We have two Home Equity products.

  • A fixed rate loan for up to 15-years with a fixed payment amount for the life of the loan
  • A variable rate Home Equity Line of Credit (HELOC) which allows you to borrow funds as you need them up to a specific credit limit

We charge no annual fee on either of our Home Equity Loans, and closing costs are low.

Loan Type Annual Percentage Rate LTV

Home Equity Line of Credit
Index Value: Prime*
No Annual Fee

5.50%* Variable
Margin: 0.00%

Home Equity Loan
Low Closing Costs
15 Year
15 Year
10 Year
5 Year



To Apply...

Please visit your nearest branch location.


*Annual Percentage Rate. Variable 5.50% HELOC rate based on up to 90% loan-to-value (LTV) and the current Prime Rate Index. The HELOC rate may change quarterly with changes in the Prime Rate as published in the Wall Street Journal. No margin is added to Index. The 5.50% fixed home equity rate is based on a 5-year term and up to 80% LTV. Other terms and rates available. No annual fee. Membership required to borrow. Loans are subject to application and credit approval. Interest may be tax deductible. Consult your tax adviser. Homeowners insurance is required.