Tap into your home's equity with a HELOC and our Fixed Home Equity Loans.
Leverage your home's value for life's big expenses.
Fund Home Improvements
Cover Large Expenses
Save Money
Membership is required prior to loan funding. To learn more about opening a membership.
Home Equity Line of Credit
Get ongoing access to funds with a revolving line of credit secured by the equity in your home.
- Lock in an introductory fixed rate as low as 5.49% APR* for the first 12 months. (After the introductory period, a variable rate applies ranging from 7.00%-10.75% APR*)
- Low variable interest rate
- Interest-only payment options available
- Borrow as little or as much as you need
Home Equity OptionsFixed Rate Home Equity Loan
Opening a home equity loan gives you a lump sum amount at a low, fixed dividend rate.
- 5, 10, 15, and 20-year terms available
- Competitive rates
- View balances and make payments within Digital Banking.
Already have a Home Equity Loan Application in Process?
All loan requests subject to Loan Review Committee and Guidelines. Actual rate and term based on creditworthiness of borrower and percentage of loan-to-value; rates subject to change without notice. Please contact a CCU representative for additional information; consult your tax advisor about the possible deductibility of interest. Equal Housing Lender.
*APR is annual percentage rate. Rates accurate as of 04/01/2025. Rates are variable and subject to change. Rates shown are for homeowners with up to 80% combined loan-to-value (CLTV). Standard underwriting criteria will apply. The minimum loan amount is $5,000. Member is responsible for appraisal costs, title insurance costs, notary cost and any applicable state or county taxes, if required. Property insurance is required.
Eligible member will receive an introductory rate of as low as 5.49% APR for the first 12 months. Not all applicants will qualify for the as low as rate. Your rate is determined by your credit history (see Intro Rate disclosure for additional terms); standard variable rate thereafter. To qualify a member must open a new home equity line of credit and member cannot have an existing or prior Consumers Credit Union home equity loan or line of credit. Introductory APR cannot be applied to an existing Consumers Credit Union home equity loan or line of credit and cannot be applied to fixed segments. Limited time offer subject to end without notice.
The introductory rate of as low as 5.49% APR is valid for new Consumers Credit Union home equity line of credit requests for homeowners with up to 80% combined loan-to-value (CLTV). APR will be fixed at the introductory rate during the 12-month introductory period. After the 12-month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is variable and subject to change monthly but cannot exceed 21.00%, and the APR will never fall below 4.00% No annual fees. Offer is subject to normal credit qualifications. Some restrictions may apply.