Section title

Consumer Loans

Home Equity

Your most powerful borrowing tool may be right under your feet.

You invest a lot of money into your home over the years and that builds strong equity. Put that equity to work when you need it.

  • Bill consolidation.
  • Landscaping.
  • College tuition.
  • Medical expenses.
  • Home improvements.

When you borrow against the equity in your home, you can choose a one-time fixed rate loan or a variable rate line of credit. Click here to check out our low competitive rates!  Your interest may even be tax-deductible, so consult your tax advisor.

Manage Your Credit Wisely

Understand the benefits and responsibilities of credit like a Home Equity Loan when you complete the self-guided learning modules and read the financial tips in our Managing Money & Credit resource center.

Protect Your Family with Loan Insurance

Credit life and disability insurance is available on nearly every loan we offer. It's a good way to prevent your family from hardship if you're unable to provide for them due to unforeseen circumstances. See if it's right for you.

2nd Mortgage Home Equity Disclosure

For 2nd Mortgage Home Equity Disclosure please click link above to be directed to our Forms & Disclosure Page. The 2nd Mortgage Home Equity Disclosure can be found under the Consumer Disclosure Forms Section.

* APR= Annual Percentage Rate. Rates are based upon the appraised home value and the combined loan-to-value (CLTV) of the first and second mortgage as well as credit. Available on owner occupied primary residential properties and vacation homes in most states and the District of Columbia, except Alaska, Hawaii, and Texas. The home equity loan has a fixed rate that is a fully amortized loan for the life of the loan (no balloon payment). **The Home Equity Line of Credit (HELOC) has a variable interest rate that is based on the Wall Street Journal Prime Rate and is subject to change quarterly. The monthly payment on a HELOC is 1.00% of the outstanding balance as of the end of the previous month. The floor is 4.00%. The rate cannot increase or decrease by more than 2.00% in a calendar year, and the maximum rate is 18.00%. If the credit union pays the closing costs and the HELOC is terminated within two years, the closing costs must be reimbursed by the borrower. All rates and terms are subject to change without notice and other restrictions may apply. Please consult your tax advisor on all tax matters.