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Have a High Rate Home Equity Loan Elsewhere?

Open a new Home Equity Line or Loan!

  • Reduce My Home Equity Loan Rate or Payment
  • Perform Home Improvements or Upgrades
  • Consolidate Bills or Lower My Payments
  • Borrow up to 80% of your home’s value
  • Loans from $20,000 to $300,000 are available
  • Closing costs are waived for loans of $25,000+ (restrictions apply)
  • Loans are settled at the Credit Union or a location convenient to you.

Home Equity Lines:

New: Introductory rate of 3.99% APR* for the first 12-months
No closing costs (restrictions apply**)
Low minimum monthly payments of only $8.36 per $1,000 borrowed.

*Thereafter the ongoing rate is subject to a lifetime floor rate of 3.00% APR. Initial draw of $10,000 or greater required for the introductory rate.
A line of credit is perfect for those who need continued access to funds for any purpose over an extended period of time. Ongoing rates are as low as Prime minus 1/2%. Application must be received by July 31, 2024. Loan must be settled by August 16, 2024.
**Closing cost repayment restrictions:               
Minimum line of $25,000 required, costs repaid by member if line is closed within 36-months of opening.

Fixed Rate Home Equity Loans:
Rates as low as

5.24% APR (up to 5-Years)
5.49% APR (61 to 84 months)
5.74% APR (85 to 120 months)
6.24% APR (121 months to 15-years)
No closing costs for loans of $25,000+**


Loan payment calculator

APR = Annual Percentage Rate. There are no points or application fees.  Fixed Rate Home Equity loans are ideal for bill consolidations, refinances, and home improvements. The rate and payment never change. Rates quoted assume a loan-to-value of 80% or less and a FICO score of 730 or higher. Loans for as much as 85% loan-to-value are available. 
** No closing cost offer applies to 2nd lien loans with new funds of $25,000 or greater. Closing costs will be added to the loan if the loan is paid off within 3-years.