Home Equity Loans & Lines

Your home's value can help pay for home improvement projects, education expenses, debt consolidation, and more! We offer Home Equity Loans and flexible Home Equity Lines of Credit (HELOCs). Both programs provide:

  • Low rates
  • Affordable payment plans
  • Flexible terms
  • Fixed rate options available


Apply now


Current Rates

HELOC Loan Rates
Real Estate Product Loan Rate Origination APR*
as low as
Monthly Payment
Home Equity Loans
2nd Mortgage 10 Year LTV<=80% 5.25% 0% Orig. 5.25% $107.30 on $10,000
2nd Mortgage 10 Years LTV>80% 6.90% 0% Orig.5 6.90% $115.64 on $10,000
Home Equity Line of Credit Variable Rate**
Home Equity Line of Credit LTV <=80% 0% Orig. P+0.5% Payment based on outstanding balance.
Home Equity Line of Credit LTV >80% 0% Orig. P+1% Payment based on outstanding balance.
Home Equity Line of Credit Fixed Rate
Home Equity Line of Credit LTV <=80% 4.99% 0% Orig. 4.99% Payment based on outstanding balance.
Home Equity Line of Credit LTV >80% 6.75% 0% Orig. 6.75% Payment based on outstanding balance.
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** A home equity line of credit is an open-end loan. The rate can vary and is based on prime rate plus a margin. Rates listed are the most current rates. However, they are subject to change. Rates vary based on credit history, loan-to-value, owner occupied status and other factors. Rates range from P + 0% APR (prime rate plus a 0% margin) to 21% APR (maximum APR). The prime rate is based on the published rate in the Wall Street Journal. Rates cannot increase/decrease by more than 2% per year. Closing costs to open a new home equity line of credit range from $200 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater. For more information about our home equity plans, please contact a credit union representative at 719/561-0804. WSJ prime rate 3.25% effective 4/1/2020.



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