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home Equity

How you use the equity in your home, matters.

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Two Options to Choose from.

Make the most of your home’s equity by taking advantage of the value you’ve been building. Borrow the resources you need, at the rates and terms that make sense for your budget.

Home Equity Loans can be used for home improvements, education expenses, debt consolidation, and more – you can benefit financially simply by owning your home.

Home Equity Line of Credit:

What are Home Equity Lines of Credit?

  • Apply for a credit line that you can draw against in various amounts, as needed
  • Borrow up to 100% of your home’s appraised or assessed value, less the outstanding first mortgage balance
  • Payments may vary from month-to-month based on the current balance of the line of credit
  • Keep remaining portion of your line of credit open for draws and payments, as needed
  • Variable rate loan based on the prime rate, subject to change quarterly

Benefits of Home Equity Lines of Credit

  • Borrow on an as-needed basis (for emergencies, vacations, or other expenses)
  • Rates lower than many other loans
  • Interest is charged, only when you carry a balance
  • No annual fees or prepayment penalties
  • Easy access to funds with online banking
  • Quicker loan process and turn time than traditional mortgages

 

Home Equity Loan:

What are Home Equity Loans?

  • Borrow up to 100% of your home’s appraised or assessed value, less the outstanding first mortgage balance
  • Apply once for a specific loan amount, with a specific term
  • Available terms: 5 or 10 years
  • Quicker loan process and turn time than traditional mortgages

Benefits of Home Equity Loans:

  • Enjoy low fixed rates
  • Perfect for members who want to borrow a certain amount and have set monthly payments
  • No annual fee or prepayment penalties

For detailed product information, please view the Home Equity Line of Credit Initial Disclosure.
CU NMLS #403283

We offer competitive rates!

You Can Now Apply Online!

Play with the numbers.

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Our Loan Officers can help you find the Home Equity Loan that’s right for you.

Contact a Loan Officer directly email: [email protected]

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Life is constantly changing, and it’s important to have the option to borrow money when it matters most. 

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