Equity Lines 
Prepare for the future …Get out of debt and save for things you want in life

A Home Equity Line of Credit (HELOC) is a low-cost alternative to high-interest consumer loans and credit cards. You can borrow up to 80% of your home's appraised value to do things you want to do such as home improvements, go on your long-overdue vacation—even pay off your credit card debt. Since a HELOC is a revolving line of credit it allows you to access your funds when you need to.

If you already have an existing HELOC with us, extending your current credit limit is easy, just apply for your new amount.
 Features 
  • Rates as low as Prime +1.25%*
  • Flexible monthly payments
  • No Fees
  • No Points
  • Cash advances available any time, up to your available credit limit
  • Credit lines up to 80% of your home’s equity—up to $500,000
  • Convenient Access with HELOC Access Card

*APR=Annual Percentage Rate. Loans are subject to credit and collateral qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates may apply based on your individual credit profile. See Rates page for complete loan rate, term and payment details. The rate shown assumes that you have a FICO of 700 or above. Prime is based on the Wall Street Journal Prime Rate + margin based on credit score. All HELOCs are variable rate loans. Rates can change monthly on the first of the month. Rate cannot change by more than 5% in any one year. The rate cannot drop below 4.5% or exceed 15%. 10-year interest only terms followed by a 15-year amortized payback period. $50 annual fee is waived on HELOCs with a minimum outstanding of $10,000 for 30 days during the year. If the loan is paid off and closed during the first 3 years of the loan, you will be charged a $450 early termination fee.

Real Estate Loans are subject to credit approval. Property you own which generates income is not eligible. Credit limit determined by the equity in the real property, which is used as security for the loan. Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval and verification of equity. Rates and terms are subject to change without notice.