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HELOC
as low as  4.00% APR*

A Home Equity Line of Credit, known as a HELOC, is much like a credit card or any other type of open-ended credit. You can borrow money as needed, up to the credit limit your lender assigns, access your loan using our HELOC Gold MasterCard, or by making a transfer into your checking account. A HELOC is a variable-rate loan, so your monthly payments will change based on your outstanding balance and fluctuations in the rate. HELOCs are not available in all states.

If credit card payments are eating up your disposable income each month, or if you need cash to remodel your kitchen, buy a new car, take a vacation, pay off debt or anything else, a home equity line of credit (HELOC) might be your best bet.

These loans let you borrow money using the equity in your home as collateral.

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Type/Term APR
HELOC 4.00%
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*ANNUAL PERCENTAGE RATE/WITH APPROVED CREDIT. This is a variable rate loan which may change quarterly. $5,000 minimum line of credit. 4.00% APR applies to credit line for up to 80% Loan to Value (LTV). 5.25% APR is available for a total loan to value (TLTV) from 80% to 90%. Rate effective April 27, 2015. The maximum annual percentage rate that may be imposed on this variable rate plan is 18%. Appraisals are required. The cost of an appraisal may range from $350 to $500. Check rates for payment terms for your area. Adequate property insurance must be maintained. A minimum balance ($25) share savings account is required to maintain membership in the Credit Union. The Home Equity Line of Credit is only available to homeowners in the following states: AK, AR, CA, IA, KS, MO, NE, OK, and SD. Consult your tax adviser to see if your interest is eligible for a tax deduction.

Equal Housing Lender
We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Home Equity Line of Credit

Lower rate then most credit cards!

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Make Payment

Use it only when you need it
Borrow from your home's equity
Mastercard for easy access to cash

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