Home Equity Line of Credit

The flexibility to access cash when you need it

As a homeowner, you can use the equity in your home fund your projects, finance tuition, consolidate debt or just about anything. Plus, interest rates are typically lower than a standard credit card.

Cash for any reason
Ongoing access to available credit
$250 flat origination fee
No Appraisal Fees
Low Rates
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What is a Home Equity Line of Credit ?

A Home Equity Line of Credit is much like a credit card or any other type of open-ended credit. You can borrow money as needed, up to the credit limit, for a period of ten years. Your Home Equity Line of Credit is perfect for ongoing expenses and can be used for things like:

Home renovations
Educational costs
Medical expenses
Unexpected expenses

Calculate Your Payment

Home Equity Line of Credit Calculator

Choose Your Rate

Loan Rates

	Term in months	Rate as low as
240	240	8.25%

What's Your Loan Amount?

Term:

4.189% APR*

Your monthly payment is only...

$ for months^*

HELOC Rates

Home Equity Lines of Credit
Effective Date: Wednesday, November 20th, 2024
APR As Low As	Term	Approx Monthly Payment ($20,000 Loan)
8.25%	240 Months	$173.56
The payment reflected on calculator is principal and interest over the 20-year term but that members can opt to make interest only payments through the first 10-years. Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Home Equity Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the 15th of the month for the preceding three months and is subject to change monthly. The index is 8.50% as of 07/27/2023. Your home equity line of credit rate may change monthly as stated in your Mortgage Disclosure. The maximum rate that can be charged on a home equity line of credit is 18.00% APR. There are no application fees. Loans are subject to a loan origination fee of $250. Borrower is responsible for homeowners insurance and, if required, flood insurance. Please consult your tax advisor about the deductibility of interest.