Mortgage access within digital banking will be unavailable Tuesday, March 2, beginning at 7pm CST for scheduled maintenance and lasting up to three hours. We apologize for any inconvenience this may cause.

Truity Credit Union

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Home Equity Line of Credit
as low as  3.000% APR1

A Home Equity Line of Credit, known as a HELOC, can be your most powerful financial tool. Your HELOC works a lot like a credit card, but you'll get an interest rate much lower than most credit cards because the equity in your home secures the loan. Use as little or as much of your credit limit as you like, pay it back and use it again during your ten-year draw period. After your ten-year draw period, you'll have ten years to pay off your balance.

A HELOC is perfect for home renovations, which are usually tackled one at a time. It's also perfect for debt consolidation, a dream vacation, or any other large purchase.

Home Equity Loan vs. HELOC

Determining whether to use a home equity loan or a HELOC is not always a simple task. Take our quiz to help determine which loan fits your needs.

What loan is right for me?

  Home Equity Loan HELOC
Lump Sum Payment
Fixed Interest Rate
Variable Interest Rate
Borrow as You Need
Interest Tax Deductible*
*Consult your tax adviser to be sure

Talk to one of our experts if you need help determining whether a HELOC or Home Equity loan is best for you. Apply online in as little as ten minutes.

Apply for a Home Equity Loan »

Type/Term APR
HELOC 3.000%
See Other Rates
Home Equity Line of Credit

Lower rate then most credit cards!


Make Payment

Use it only when you need it
Borrow from your home's equity
Revolving credit line


Real People Helping You

Meet our regional mortgage officers.

They are our very own super friendly mortgage experts! Go ahead, ask them anything!

Andrew Harris
NMLS #645896

Regional Mortgage Officer

Becki Gailey
NMLS #993347

Bartlesville Mortgage Officer

Geoff Strole
NMLS #645897

Lawrence Mortgage Officer


1. All rates shown are based on a 30-day lock on a primary residence for members with excellent credit. Annual Percentage Rates (APRs) for Conventional loans are based on an 75% Loan to Value (LTV), $75,000.00 loan amount. Rates and points are subject to change without notice and may differ as many factors go into providing a mortgage loan.

  • We do not allow you to lock your interest rate online. A Loan Officer will contact you to lock your rate after you submit your application and pay your application deposit.
  • The actual interest rate offered and Annual Percentage Rate (APR) is based on your credit history, product, loan term and the percentage of remaining equity in your home, and may be different than the rate displayed here. The rates shown on this page are for borrowers with excellent credit and are subject to change without notice.
  • You should always consult a tax advisor about deductibility.
  • Adequate homeowner's insurance coverage is a requirement for this loan.
Equal Housing LenderWe do business in accordance with the federal Fair Housing Law and the Equal Credit Opportunity Act.