Home Equity Loans

Cash in on your home equity without paying closing costs.

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Access your home’s equity when you need it and enjoy no closing costs*

Second Mortgage

With a second mortgage, you can take advantage of the equity in your home to pay for a large, one-time expense such as a home improvement project or debt consolidation.

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Home Equity Line of Credit

A Home Equity Line of Credit allows you to borrow money for up to 10 years from the equity you have in your home any time you need it. Plus, you'll have up to 15 years to repay the balance. 

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What our members say about us

I'd like to express my gratitude for the great member service I received during the Home Equity Loan process. The patience, endurance and positive attitude from the Mortgage Loan Processor paved a way for us to make home improvements we were not able to do for years. The equity was in our home, but we needed the help of the Credit Union to access it.

- Beatrice C.

Frequently Asked Questions

You may mail your loan payment, pay online by transferring funds from a checking/savings account (please note that you must be set up for Digital Banking), or you may pay in person at any of our branch offices. In addition, you may set up a debit from another bank account or create a distribution from a direct deposit or payroll deduction.

*Closing costs on second mortgages and home equity lines of credit (HELOC) will be paid by the Credit Union. The closing costs will be recouped by the Credit Union if the loan is paid off and closed within three years. Closing costs vary and will depend on the location of the property and the amount of the loan. Closing costs typically range between $500 and $2,000. Property insurance is, and flood insurance may be, required. This offer is subject to change without notice. Other restrictions may apply. All applicants must meet membership eligibility requirements.