Home Equity and HELOC 

Which is right for you?

Home Equity and HELOC loans allow you to borrow money using the equity in your home to pay for home renovations, consolidate debt, pay for educational expenses, and more!   Home Equity Lines of Credit (HELOC) are credit lines that allow you to borrow when you need it and in the amounts you need.   Home Equity Loans allow you to borrow a lump sum of predictable monthly payments.   


  • 1 Year Introductory Rate1 of 4.99%APR*


  • 1 Year Introductory Rate1 as low as 6.49%APR*
  • Allows you to borrow 100% of your home's value at a higher interest rate. 

Home Equity Loan
NameTermAPR* as low asLTV^
Home Equity 5 Year Fixed 4.99%  up to 80%
Home Equity 5 - 10 Year Fixed 5.25%  up to 80%
Home Equity 10 - 15 Year Fixed 6.25%  up to 80%
Home Equity BOOST3 5 Year Fixed 6.49% > than 80%
Home Equity BOOST3 5 - 10 Year Fixed 6.75% > than 80%
Home Equity BOOST3 10 - 15 Year Fixed 7.75% > than 80%

*APR equals Annual Percentage Rate and is subject to credit qualification.    ^LTV equals Loan to Value 

1 No closing cost offer applies only to loans with an initial advance of $7500 or greater.  An appraisal fee is required at the time of application and refunded at closing. Homeowners' insurance is required. Member would be responsible for the cost of purchasing self-elected owner’s title insurance, any extenuating title issues, and flood insurance (if applicable). Members are required to reimburse all closing costs if the loan is paid and closed within 36 months.  HELOC special promotion is subject to change at any time.  This APR (Annual percentage rate) for this loan is locked for 12 months and subject to change annually on the anniversary of the loan.

2To determine the APR for the HELOC SPECIAL after 12 months, we add 3.25% to the one-year constant maturity treasury. To determine the APR for the HELOC BOOST after 12 months, we add 4.75% to the one-year constant maturity treasury.  Max APR that may be imposed is 16%. Available on owner-occupied primary residences.  

 3Minimum Credit Score of 660 is required.