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Getting Started

 

As low as 4.99% APR* on a HELOC for 12 months

After the first year a standard variable rate of 6.50%-9.99% 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 borrow as much or as little of your available credit line as needed. It may offer a lower interest rate than many 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 = Annual Percentage Rate. Rates are accurate as of 09/18/2026 and are variable and subject to change. Rates shown apply to homeowners with up to 80% combined loan to value. Standard underwriting criteria apply. A $100 processing fee applies and is charged at loan closing.  Other third-party fees may apply and typically range from $178 to $700, including services such as title, valuation, appraisal, and notary. Property insurance is required. All fees are estimates and subject to change.

^Eligible members may receive an introductory rate as low as 4.99% APR for the first 12 months from the loan contract date. After the introductory period, rates will range from 6.50% APR to 9.99% APR based on creditworthiness. Not all applicants will qualify for the lowest rate.  This introductory rate offer is valid for new home equity lines of credit only and cannot be applied to existing loans. The introductory APR is fixed for the first 12 months. After that, the rate is indexed to the Wall Street Journal Prime Rate and may change monthly, subject to a maximum APR of 21.00% and a minimum APR of 4.00%. No annual fee applies.

Limited time offer subject to change or cancellation without notice. Some restrictions may apply.

Equal Housing Lender.

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