Interest-Only Home Equity Line of Credit

Looking for a flexible, low-cost way to make the most of your home’s equity? Our Interest-Only Home Equity Line of Credit is a great option!

What are the benefits?

  • Low Introductory 2.49% APR* for 12 months (current rate as low as 4.75% APR*)
  • Lower monthly payments with interest-only payments throughout the 10-year draw period
  • Borrow up to 90% of your home’s equity
  • Low closing costs

Plus, no annual fee, no prepayment penalties, convenient online and mobile access to funds, AND additional access via checks, Account Access by Phone, by mail and in-person at the branch.

Make sure you got it all! Download the HELOC checklist here for all information and documents needed before applying. For questions, please contact our Real Estate team at 877-269-4179.

Apply today »



Choice Home Equity Loan

Let your home work for you with a Choice Home Equity Loan. Borrow up to 80% of the equity in your home for home improvement projects, pay off credit card debt or just have some extra money for fun things like that vacation you’ve always wanted to take.

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

Apply today »


*APR (Annual Percentage Rate) effective 11/05/19; 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 4.75% 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