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Getting Started

 

As low as 5.49% APR* on a HELOC for 12 months

After the first year a standard variable rate of 7.00%-10.75% APR* will apply

If you're not familiar with a Home Equity Line of Credit (HELOC), it's a revolving line of credit secured by the equity in your home. It's a popular way for homeowners to get extra cash to pay off high-interest debt or make other large purchases. 

A HELOC lets you use as much or as little of your total credit line as you want. It offers an interest rate much lower than unsecured forms of debt. 

Here are just a few ways HELOC funds could be put to good use:

  • Consolidate Debt
  • Home Improvement
  • Getting Married
  • Easy Access Funds

 

*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.

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