Home Equity
Ready to renovate, consolidate debt, or cover major expenses? A home equity loan or HELOC gives you access to cash using the value you’ve built in your home. Enjoy competitive rates and a quick, easy application. Apply online, visit a local branch, or give us a call to get started.
There's Money Right Under Your Roof
Use a Home Equity Line of Credit to improve your home, cover a big purchase, lower what you pay on higher-rate debt, and more.
Rate as low as
5.49% APR*
Introductory through 12/31/26
6.75% APR*
Variable rate thereafter
*APR = Annual Percentage Rate. Rates accurate as of 3/2/26. This introductory rate applies to a new home equity line of credit (HELOC) approved between 3/2/26 – 4/30/26 and on existing HELOCs with a zero balance; existing HELOCs with a balance may qualify by refinancing and increasing the credit limit by at least $10,000. The “as low as” introductory rate of 5.49% APR will be valid for a HELOC with 80% Loan-To-Value (LTV) or less and a minimum credit score of 730; or 5.99% APR with a credit score of 690-729; or 7.99% APR with a credit score of 660-689. Approval and rate may vary based on credit history, LTV, and amount borrowed. The introductory rate HELOC will convert to a variable rate on 1/1/27 following the loan disbursement date. Upon expiration of the introductory period, the APR can range from 3.00% to 15.00% based on the current Wall Street Journal “Prime” rate, which was 6.75% as of 2/2/26, and may adjust monthly thereafter. Offer good for primary and secondary residences only. Excludes investment properties and fixed home equity products. Introductory rate may not be combined with other discounts or offers. Minimum loan amount is $5,000. $300.00 processing/closing cost fee on all home equity products plus appraisal fee, if required. Flood insurance may be required. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Other restrictions may apply. Subject to credit approval. Limited time offer. Equal Housing Opportunity. Consult a tax advisor regarding the deductibility of interest.
Home Equity Loan vs HELOC Explained
Click to compare a Home Equity Loan and a Home Equity Line of Credit (HELOC).
Home Equity Loan
- No Prepayment Penalty
- Fixed Interest Rate
- Fixed Loan Terms
Home Equity Line of Credit (HELOC)
- No Prepayment Penalty
- Variable Interest Rate
- Funds Accessible Via Debit Card
- Revolving Line of Credit
Available HELOC Products
Ready to Put Your Equity to Work?
Whether you’re planning a renovation, paying off debt, or tackling a big expense, your home’s equity can help make it happen.
Apply now and get started in just a few minutes.
HELOC Loan Calculator
Home Equity Calculator
Estimate Home Equity
Try our easy HELOC calculator.
Home Equity Resources
We want to be a resource as you plan to use the equity in your home. We’ve dedicated a section of our blog to home equity and home improvement topics. We hope you find them helpful. If you have questions, reach out to our Home Loan Team or give us a call at 800.442.2800.
Frequently Asked Home Equity Questions
- A HELOC is a great product if you’re looking to do multiple projects or would just like to have emergency funds on hand. HELOC’s also have flexible payment options and typically offer the lowest payment of any home equity product. However, we recommend you reach out to us if you have any questions.
- A Home Equity Loan is great for a one-time expense, like remodeling a room in a house, a vacation, wedding, college tuition, or car repair. It’s also a great option for consolidating and paying off high-interest debt, such as credit cards or student loans.
Ultimately, we recommend you talk to one of our home loan experts, who will listen to your story and advise you of the best solution for your individual needs.
The answer depends on your unique situation. Home equity is the amount available after subtracting what you owe on your mortgage from your home’s current market value. Home values increase and decrease depending on market conditions. Just because you were once loaned the total value of your home doesn’t mean you are today. The amount you could be approved for depends on your credit history, your home’s value, and other factors.
No. There are no fees to apply for a home equity loan or line of credit. We do charge a small loan processing fee, however, it is cheaper than the industry average depending on your situation. There may be additional fees; but our team will iron out all the details so there’s no confusion. We’d be happy to discuss the process with you. Please don’t hesitate to reach out to one of our team members. We’re here to help!
Our team works as quickly as possible. It typically takes 7-14 business days from the time your application is submitted to you having your loan funds available. The timeline can vary based on factors related to your situation but we are very transparent with our communication during the process and will make sure you are given realistic expectations so you can be prepared.
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