HELOC - Variable
*APR= Annual Percentage Rate.
HELOC - Variable Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 6.75%. The variable Rates Effective as of January 1, 2026 are 6.50% - 9.25%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
Promo: Promotional waiver of closing costs pertains to all costs required to open the line of credit except for any required appraisal. If an appraisal is required, borrower will be required to pay for such appraisal, normally $775 or more. If the Home Equity Line of Credit is paid off and closed within the first 36 months, waived closing costs must be repaid to the credit union (up to $300) as fee reimbursement. Minimum loan amount is $10,000, and minimum fixed-rate conversion amount is $5,000, but there is no minimum advance requirement. Credit is subject to approval, not all applicants will qualify. Fees that occur after the line is opened, such as annual fee ($35), reconveyance fee and quit claim deed recording fees are not considered closing costs. Flood and/or property hazard insurance may be required and are also not considered closing costs. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans subject to approval of property. Promotion is valid for applications taken between March 20, 2026 and June 30, 2026 (and the loan must be funded no later than July 31, 2026). Promotional period subject to extension at Credit Union’s discretion.
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HELOC | Fixed
*APR= Annual Percentage Rate.
HELOC - Variable Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 6.75%. The variable Rates Effective as of January 1, 2026 are 6.50% - 9.25%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
Promo: Promotional waiver of closing costs pertains to all costs required to open the line of credit except for any required appraisal. If an appraisal is required, borrower will be required to pay for such appraisal, normally $775 or more. If the Home Equity Line of Credit is paid off and closed within the first 36 months, waived closing costs must be repaid to the credit union (up to $300) as fee reimbursement. Minimum loan amount is $10,000, and minimum fixed-rate conversion amount is $5,000, but there is no minimum advance requirement. Credit is subject to approval, not all applicants will qualify. Fees that occur after the line is opened, such as annual fee ($35), reconveyance fee and quit claim deed recording fees are not considered closing costs. Flood and/or property hazard insurance may be required and are also not considered closing costs. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans subject to approval of property. Promotion is valid for applications taken between March 20, 2026 and June 30, 2026 (and the loan must be funded no later than July 31, 2026). Promotional period subject to extension at Credit Union’s discretion.
Learn more about Home Equity
