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Home Equity Line of Credit

Money when you need it

Use the value in your home to make repairs, cover expenses, or even consolidate debt. 

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  • The loan for almost anything

    A home equity line of credit is flexible, affordable, and saves you time in the long run.

    There are so many advantages to a home equity line of credit (HELOC). This loan uses the value in your home to provide you with a fast, flexible source of funds. That way, when costs come up, you won’t have to waste time filling out different loan applications. Plus, you’ll only pay interest on the money you actually borrow from the line.

    • Only pay interest on what you borrow
    • Cover education costs, home repairs, emergencies, and more
    • Interest may be tax deductible (talk to your adviser)
  • Rates


    Home Equity Line of Credit

    Loan TypeAPR
    Home Equity Line of CreditCall Credit Union for current rates
  • Frequently Asked Questions

    How does a line of credit work?
    A line of credit is different than a traditional loan. With a traditional loan, you receive a lump sum of cash. You will then immediately start making payments on the balance you owe. With a line of credit, you have access to a set amount of cash, but you can withdraw that money in "as-needed" portions. You will only pay interest on what you borrow. For example, if your line of credit is $15,000 and you don’t withdraw anything, you won’t have to pay any interest. If you withdraw $5,000, you will pay interest on that $5,000. In this way, a line of credit works very similarly to a credit card, but the interest rate is typically much lower.


    For more information or if you have a question, please get in touch with us.

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