Home Equity Line of Credit (HELOC)

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Home Equity Line of Credit (HELOC)

Home Equity Line of Credit

Our home equity lines of credit -- or HELOCs -- are open-end loans based on the value of your residence minus your mortgage balance. 
Eligible members can use these funds for substantial home improvements, large expenses and other needs.

  • Low monthly payments
  • Competitive rates
  • Interest paid may be tax-deductible*

NEW HELOC APPLICATION INSTRUCTIONS:

As part of the recent merger with America First CU, our members now have even more access to some of the finest lending resources available. In order to help you choose the best lending option to fit your individual needs, please click below to begin your new loan application or visit your nearest branch to meet with a representative.

Getting Started is Easy 

*The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. All credit union loan programs, rates, terms, and conditions are subject to change at anytime without notice.Consult your tax advisor about the deductibility of interest.

Rates

Home Equity Line of Credit (HELOC) Rates

Product Terms APR*
Home Equity Line 100% LTV 9.74% Variable
Interest-Only Home Equity Line of Credit 50% LTV 6.24% Variable
Interest-Only Home Equity Line of Credit 80% LTV 6.49% Variable
No Closing Costs Fixed For 5 HELOC 50% LTV 5 Years 5.99% Variable
No Closing Costs Fixed For 5 HELOC 80% LTV 5 Years 6.24% Variable
No Closing Costs Home Equity Line 50% LTV 5.49% Variable
No Closing Costs Home Equity Line 80% LTV 5.74% Variable

*Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months. Rates and terms are accurate as of October 01, 2018 and are subject to change.

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