Home Equity Loans

Whether you’re planning home improvements, consolidating debt, covering major expenses, or preparing for what’s next, your home’s equity can help make it possible. We take the time to understand your goals and help you choose the solution that fits your situation. No pressure. No confusing jargon. Just local guidance from people who are here to help.

More Than a Loan. A Partner. We believe financial decisions should feel personal. That’s why our lending team works one-on-one with you to understand your needs and recommend the right solution.

What you can expect: Competitive rates | Flexible repayment options | Personalized guidance | Fast and simple application process

A Home Equity Loan provides a lump sum upfront with predictable monthly payments and a fixed repayment schedule.

Use it for:

  • Home renovations
  • Debt consolidation
  • Major purchases
  • Tuition expenses
  • Large planned projects

Why members choose a Fixed Home Equity Loan:

  • Fixed interest rate
  • Predictable monthly payments
  • Fixed repayment term
  • Ideal for one-time borrowing needs

A HELOC gives you access to a revolving line of credit secured by your home’s equity. Borrow what you need, when you need it.

Use it for:

  • Multi-phase home improvements
  • Emergency expenses
  • Unexpected repairs
  • Ongoing projects
  • Flexible access to available funds

Why members choose a HELOC:

  • Access funds as needed
  • Borrow multiple times within your approved limit
  • Only pay interest on the amount used
  • Flexibility for changing projects and expenses

Whether you’re renovating your home, consolidating debt, or planning for the future, we’re here to help you find the right solution.

Fraud Alert! We are aware of fraudulent phone calls that appear to come from the credit union. We will never ask for your account number, full SSN, full card numbers, or online banking credentials when we contact you. We will never try to convince you it is us by reading YOU full card or SSN numbers. If a caller provides the first 4 to 5 digits of your card number, this does not establish credibility that they are from your financial institution. These digits identify the card issuer and are not unique to your account. Fraudsters often use this information to appear legitimate and gain your trust. If you receive an unexpected call, do not share personal or account information. Instead, contact us directly using a trusted phone number. We will never be defensive if you are suspicious. If you believe you may have received a fraudulent phone call or have concerns about your account, please contact us immediately at (616) 336-3490.
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