Home Equity Loans

How would you prefer to receive your funds?

As you need them. Think of this option as a credit card.All at once. Think of this option as a personal loan

Trying to consolidate debt? Take our free quiz to find the right option for you Opened Entry Closed Entry








If you prefer your funds to be available only when you need them, we offer you the Interest-Only Home Equity Line of Credit.


  • We have a lower introductory 2.49% APR* for 12 months (current rate as low as 3.25% APR*)
  • We don't want you to pile on debt, which is why we offer lower monthly payments. During the first 10 years, you only have to pay the interest during that time.
  • You can borrow up to 85% of the current equity you have in your home.
  • Closing costs are minimal and there's no annual fee or no prepayment penalties.


Before applying, we want to make sure you have a convenient experience. Find out everything you'll need by downloading our HELOC checklist »

We're always here to help. For questions, please contact us at 877-269-4179.

Are you ready? Apply today »


*APR (Annual Percentage Rate) effective 3/18/2020; introductory rate applicable for first twelve months following open date. After introductory period, APR is based on the Prime Rate, or Prime Rate plus a margin based on underwriting & loan-to-value (LTV) and may vary with Prime Rate after account opening; Floor = 2.0%APR, Cap = 15.0%APR. Loan features 10-year draw and 15-year repayment period. Current 3.25% APR reflects best rate available based on less than 80% LTV & individual creditworthiness. No credit union closing costs incurred for lines of credit up to $100,000 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $100,000 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. All loans subject to approval; membership eligibility required. Equity limits and underwriting requirements vary by state. Rates, terms, and conditions subject to change. NMLS#401252





If you prefer your funds all at once, we offer you the Choice Home Equity Loan*


  • Options to choose from: 5, 10 or 15 year terms.
  • You can borrow up to 80% of the current equity you have in your home.
  • Closing costs are minimal and there's no annual fee or no prepayment penalties.


When's a good time to choose a Choice Home Equity Loan over a HELOC?

Let's say you need to pay off a large medical bill that's a bit overwhelming or you want to fund back your 401k that you used as a down payment. You'll probably want a lump sum rather than a line of credit.


For questions, please contact our Real Estate team at 877-269-4179.

Are you ready? Apply today »


*APR = Annual Percentage Rate.  Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Payment example: The monthly payment on a $10,000 loan for 180 months at 5.941% APR would be $84.09. Property insurance will be required and flood insurance where necessary. Payments do not include taxes and insurance premiums and the actual payment obligation may be greater. Consult a tax advisor regarding tax deductibility.