HELOC & Home Equity Loan

Put your house to work and let it provide the financial flexibility you need for home improvements, debt consolidation, education costs or other expenses. You decide.

A HELOC or Home Equity Loan gives you the ability to borrow the amount you need when you need it with LOW interest rates, NO closing costs & NO fees.


NO Fees


NO Closing Costs


Low Interest Rates

What is a HELOC?

A Home Equity Line of Credit is a revolving line of credit based on the available equity you have in your home. Borrow what you need when you need it throughout a set time period with a maximum draw period of up to 10 years. Pay back only what you borrowed plus interest with a flexible term of 15 or 25 years.

Take advantage of low-interest rates and use your money for any financial need. Whether it’s home improvements, paying bills, or debt consolidation, you decide with no restrictions.

  • Variable Rate HELOC Current rate 3.25%
  • No Closing Costs, unless paid off in 3 or less years
  • Maximum draw period is 10 years
  • Maximum term is either 15 years or 25 years
  • Maximum annual percentage rate that may be imposed is 18% APR
  • Rate on the HELOC will adjust on the first day of each quarter base on the prime rate on the 15th day of the last month of the previous quarter
  • Consult a tax adviser regarding the deductibility of interest

What is a Home Equity Loan?

A Home Equity Loan is a fixed loan amount secured by your home. The loan is paid back in monthly installments over a fixed term similar to your original mortgage. It can sometimes be referred to as a second mortgage. Convert the equity you have in your home into funds to be used wherever you have a need.

  • Fixed-Rate Home Equity Loan 3.25%
  • Maximum term is 15 years
  • No Closing Costs, unless paid off in 3 or less years

All rates are subject to change without notice.
Actual secured loan rates are based on the age of the car, boat, etc., the term of the loan and your credit history.

All listed rates are good as of 04/23/2020

How Do I Apply?

Fill out or print our online application. Proof of income will be required.

Not a member? No problem. We’ll help you become a member at the same time you apply for a HELOC or Home Equity Loan.


Fill out your application now or call us for assistance.