Explore Products Go to main content SIGN IN Home Equity Loans Always Home. Because binge watching HGTV has you convinced you can retile your bathroom. HOME LOANS DISPLAY SUBMENU HIDE SUBMENU FEATURES RATES & FEES FAQ & LINKS GET IT Features Borrow up to 80% of the equity you have in your home Fixed rate and closed-end term gives you the same payment over the life of the loan Allows you to use equity, or value in your home as collateral Great for debt consolidation Rates are typically lower than other credit cards or personal loans, which could mean lower monthly payments Perfect for home improvements or remodels Can also be used for a new vehicle or other large purchases Terms available up to 20 years GET IT Rates & Fees Effective Date: November 25, 2021 Program APR Range* Term Est. Payment/$1,000 borrowed† Fixed Rate - Primary Residence 70% CLTV - Up to $500K 5.25% - 6.75% Up to 120 Months $10.74 - $11.49 70% CLTV - Up to $500K 6.00% - 7.50% Up to 240 Months $7.17 - $8.07 80% CLTV - Up to $250K 5.75% - 7.25% Up to 120 Months $10.99 - $11.75 80% CLTV - Up to $250K 6.50% - 8.00% Up to 240 Months $7.47 - $8.38 *APR=Annual Percentage Rate. Rates valid as of 11/26/2021 . Terms and conditions subject to change without notice. Rate may vary depending on individual's credit history and underwriting factors. †Lowest payment factor based on lowest rate and highest payment factor based on highest rate. **Home equity loans require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms for home equity loans. FAQ & Links + How do I apply? + How do I view my Mortgage Loan Officer's NMLSR #? + How do I request the Home Mortgage Disclosure Act (HMDA) Disclosure? + What is the maximum available term? + How much equity am I able to pull out of my home? + Is this open-ended? + Will my monthly payment vary? Related Links Loan Rates Locations Contact Us Loan Modification Form Go to main navigation Careers | About | (800) 743-7228 | Privacy | Routing # 322282603 | Site Feedback | Discounts This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. NMLS #763460 If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (800) 743-7228 for assistance. All information available on this website is also available at any of our branches.