Home Equity Lines of Credit

Your Home is an Asset. Let’s Put It to Work.

  • Affordable Financing
  • Anytime Funds
  • Revolving Credit
  • Competitive Rates
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A Home Equity Line of Credit (HELOC)

Gives you the power to tap into your home’s value whenever you need it. Think of it as a revolving credit limit, backed by your home, that’s ready for life’s big projects and unexpected moments.

 

The Benefits of Revolving Credit

Unlike a traditional loan, a HELOC offers ongoing access to funds. You only borrow what you need, when you need it, and you only pay interest on the amount you actually use.

  • Borrow with Confidence: Access up to 80% of your home's equity to use as collateral.

  • Smart Interest Rates: Benefit from competitive, adjustable rates tied to the Prime Rate (minus 0.50%). Currently, rates are capped between a floor of 3.25% APR and a maximum of 12.00% APR.

  • Interest-Only Flexibility: Enjoy a 10-year "draw period" with interest-only payment options, followed by a 15-year repayment period to clear your balance.

  • Minimized Costs: Standard closing costs will be paid by the Credit Union (appraisal and recording fees may be an additional cost)1 The interest paid may be tax deductible2

 

How Will You Use Your Equity?

A HELOC is the ultimate multi-tool for your financial life. Common uses include:

  • Home Transformations: Finance a major renovation or tackle seasonal repairs.

  • Strategic Consolidation: Pay off high-interest debt and simplify your monthly bills.

  • Education & Milestones: Cover tuition costs or fund major life events like weddings.

  • Emergency Reserve: Keep a line of credit open as a "just in case" fund for total peace of mind.

 

Qualifications at a Glance

Feature Your Advantage
Owner-Occupied Focus Specialized for 1-4 family primary residences.
Tax Advantages The interest paid may be tax-deductible—check with your tax advisor!
Local Service Attentive, friendly support from a team that lives and works in your community.

 

Ready to secure your financial safety net?

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Our team is ready to help you unlock the potential of your home. Start your application today or talk to one of our experts.

 

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1 Standard closing costs will be paid by the Credit Union when the loan request is less than $400,000 with a combined loan to value that does not exceed 80%.   If the Credit Union is unable to determine a value or the loan request is equal to or greater than $400,000 or greater than 80% combined loan to value an appraisal is required at your expense. The costs may range from $400.00 to $1,000.00. These fees must be paid at application.   

If applicable you will be responsible for any fees associated with delivering clear and marketable title, including but not limited to discharges and Trust related fees.  These costs may range from $100.00 to $1,000.00.

2Consult a tax advisor.