HELOC

Put your home's equity to work.

This revolving home equity line of credit (HELOC) is designed with you in mind. Use your home as collateral for home repairs, upgrades or any other expense.

Our home equity line of credit (HELOC) is a variable rate line of credit that allows you to draw on the account, when you need to. When you use your home as collateral, you’ll typically pay a lower interest rate than financing unsecured loans and credit cards.

What can I do with my Home Equity?

  • Remodel or repair your home
  • Consolidate your debt
  • College expenses
  • Vacation
  • Purchase a new car
  • Use it on life events
Summary
  • Minimum loan amount: $10,000
  • Maximum loan amount: $250,000
  • Variable rate from 3.75% - 15.00% APR*
  • Primary residence: 80% Maximum Combined Loan-To-Value (CLTV)
  • Investment property: 70 % Maximum Combined Loan-To-Value (CLTV)
  • Free checks - 25 per order
  • Tiered risk based variable rates
  • Funds can be used for any purpose
  • Interest may be tax deductible (please consult a tax advisor)
  • Minimum draw: $100
  • No draw fee
  • Online access to funds
  • Property insurance required
To apply for a HELOC loan, please visit your local branch.

*APR = Annual Percentage Rate. The minimum APR is 3.75%. The maximum APR is 15.00%. Maximum rate adjustment is 3% each adjustment period. Variable rate is based on the highest commercial prime rate correctly published daily in the Wall Street Journal, Western Edition, plus 0.00% to 2.00% depending on primary wage earner’s FICO score. $500 Origination fee if account is paid in full prior to 3 years from the origination date; otherwise Origination fee is waived. $75 over-the-limit fee. Appraisal fee and Title fee may be required. Membership eligibility requirements apply. Membership requires a savings account opened with an initial $25 deposit plus a $1 one-time membership fee, for a total of $26. Rates, terms and conditions subject to change. All applicants subject to credit approval. Qualification based on credit history, debt, loan-to-value, and the ability to repay. Property insurance required. Minimum loan amount is $10,000. Maximum loan amount is $250,000. $100 minimum draw. 10 year draw, 15 year term. Other restrictions may apply.