Home Equity Loans

We’ve got your home loan needs covered from top to bottom, inside and out. We can help you determine which home equity loan is right for you.

Home Equity Loan

Great for: Home improvements, education, bill consolidation, refinancing, and more.

  • Low fixed rates
  • Terms up to 180 months (15 years)
  • Up to 100% financing available
  • Interest may be tax deductible*
  • Minimum loan: $5,000

* Consult your tax advisor for more information.

Home Equity Line of Credit

Not sure how much you need to borrow? Not sure when you’ll need it? Use the equity in your home as a Line-of-Credit, and borrow from it as you see fit.

  • Variable Rate1
  • Access funds through HELOC checks
  • Up to 85% financing available
  • Interest may be tax deductible*
  • Minimum loan: $10,000
  • Annual Fee: $25 2

 

1 Variable rate based on Wall Street Journal Prime, adjusted quarterly. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of 15 days before the date of any annual percentage rate adjustment. If the rate is not already rounded, we then round up to the next .25%.

2 Due on January 15th of each year. However, if you have accessed your plan during the preceding year and have paid $25 or more in interest, the Credit Union will waive the fee.

* Consult your tax advisor for more information.