2.24% APR
Fixed for One Year
Adjusts Monthly Thereafter

If you want to borrow money, a Home Equity Line of Credit is a smart solution. It allows you to get money without draining your savings. Our HELOC has become one of our most popular mortgage products because it enables our members to be prepared for expected or unexpected events in their lives. Use your HELOC proceeds for a vacation, home improvements, tuition costs, wedding expenses or simply for a "rainy day" fund. Although at times it may seem that your house is a gigantic money vacuum, your home actually repays your investment. The equity you create with every penny you spend on your house provides a generous cash supply for you to use.


  • NO Closing Costs!
  • Lines start at $20,000
  • Maximum loan $100,000
  • 10-Year "draw" period
  • Minimum monthly payment is interest only during draw period
  • 15 year payback of principal and interest
  • Competitive rates
  • Choice of initial fixed term options
  • Borrow up to 80% or 85% combined loan-to-value of appraised value
  • Floor Rates of 4.00% and 5.00%
  • Homeowner's insurance is required.

It's Easy to Apply!

  • Apply over the phone, stop by our office to apply in person, or click the button to apply online.

What You Should Know About Home Equity Lines of Credit

HELOC 1 Year

HELOC 3 Year

HELOC 5 Year

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