Home Equity Loans

We offer two types of Home Equity Loans.  Not sure which one best fits your needs? Talk with one of our lenders to find what works best for your situation. Please contact us!

Home Equity Line of Credit
A variable rate Home Equity Line of Credit allows you to take periodic advances for eight years, with the balance being repaid over 12 years. The minimum for your first advance is $1,000 with subsequent advances of at least $500, up to your credit limit. In addition, there is no early repayment penalty.

Home Equity Loan
This is a closed-end loan with the full proceeds disbursed at closing with no additional advances. The rate is fixed so your payments don't change. Repayment terms are available in 5, 10, and 15 year terms. Plus, there is no penalty for early repayment.

Ready to start (or resume) your application? Apply Now!

Home EquityTermAPR *Monthly Payment Per $1,000
5 Year Home Equity1 5 year3.50%$18.20    
10 Year Home Equity110 year4.25%$10.25    
15 Year Home Equity1 15 year5.25%$ 8.04    
Variable Rate Home Equity Line of Credit28 year draw/12 year repayment4.00%     


*APR is annual percentage rate.  Rates effective 07/07/2017 and are subject to change without notice.
1 Terms and restrictions may apply. Ask for more information. Add 1.00% to the published rate when  loan to value is greater than 80%.
2 Rate is variable based on Wall Street Journal Prime Rate minus 0.625%. The rate has a floor of 4.00% and a ceiling of 18.00%. Loan-to-value 90% or less. Read Full Disclosure.


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All loans will require homeowner’s insurance. 

In addition to homeowner’s insurance, you may also want to consider revisiting your life insurance portfolio.  In the event of unexpected death, life insurance can be a significant relief to the surviving spouse.

Insurance helps protect your financial security and credit rating, and reduces financial burden during accidents, illness, injury or death, in addition to protecting your asset. 

Research insurance programs before you buy:
Homeowner’s Insurance
Term Life Insurance

View Available Calculators  

Calculators are available as a self-help tool.  We do not guarantee their accuracy or applicability to your circumstances. For a precise estimate, please contact a Loan Officer.




Unlike a bank, we're a not-for-profit cooperative owned by our members. So we return our profits back to you through lower equity loan rates - along with the kind of 'unprofitable' personal service banks won't provide.

When you need the best Home Equity Loan, it helps to own a credit union.  How can we help you, Boss?