Your home equity can turn into funding for nearly anything. Use it to finance any of your needs, from education to home renovation.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • GREAT RATES - Prime Rate as published in the Wall Street Journal minus 50 basis points (.50%APR) for the life of the loan, subject to minimum interest rate of 3.25%APR and maximum rate of 12.00APR%.
  • Ideal for immediate cash needs
  • Convenience checks to use as needed
  • Only pay interest on what you use
  • Re-use as needed without re-applying
  • Competitive variable interest rate
  • The interest paid might be tax deductible1
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish
  • Check today's home equity loan rates.

If you need to access cash quickly for a large purchase or unexpected expense, a home equity line of credit lets you get the money you need without having to reapply every time you need it. Put your home's equity to work for you!

  • Turn the equity in your home into ongoing, affordable financing
  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Funds easily available via in-person or phone transfers to a specified St. Mary’s Credit Union checking account
  • The interest paid might be tax deductible1
  • Set up automatic payments to be deducted from your account monthly
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish
  • Check today's home equity line rates.

1Consult a tax advisor.