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 Equity Line of CreditTermAPR *APY *Rate
Variable Rate Home Equity8 year draw/12 year repayment, maximum loan to value 90% 4.00%4.00%4.00%   
5 Year Home Equity 5 year3.50%     
10 Year Home Equity 10 year4.25%     
15 Year Home Equity 15 year5.25%     


*APR is annual percentage rate. Rate is variable based on Wall Street Journal Prime Rate minus 0.625%. The rate has a floor of 4.00%. Loan-to-value 90% or less. Read Full Disclosure. Rates effective 03/16/2017 and are subject to change without notice.


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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?