Take Advantage Of Your Most Valuable Asset | iQ Credit Union

Have you thought about utilizing the equity in your home with a line of credit?

Your home is your most valuable asset. Take advantage of it by turning it into cash. iQ’s home equity combines the power of a line of credit with the security of a fixed rate loan, giving you flexibility and peace of mind. We offer several different home equity lines of credit options to help meet your specific goals and needs.

A home equity line of credit could be just what you need if you:

Are happy with your mortgage and don’t want to refinance
Aren’t sure how much of your home equity you will need to use
Want to pay off your loan faster

*The variable APR for Visa Platinum is 7.24% - 17.24% and is based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions are subject to change at any time without notice. Rate is current as of 3/25/2020. No annual fee. No balance transfer fee.

*The variable APR for Visa Platinum Rewards is 9.24% - 18.24% and is based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions are subject to change at any time without notice. Rate is current as of 3/25/2020. No annual fee. No balance transfer fee.

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Get Details

Home Equity Line of Credit - Rates Effective as of April 1st, 2020

Loan Type	APR	Fixed or Variable Rate	Index	Margin	Annual Fee	Title-Date	More Info
up to 80% Home Equity Line of Credit	3.75% - 5.00%	Variable	Prime Rate	-.25% - 1.75%	$35
85% Home Equity Line of Credit	4.75% - 5.75%	Variable	Prime Rate	.50% - 2.50%	$35
90% Home Equity Line of Credit	4.50% - 5.50%	Variable	Prime Rate	1.25% - 2.25%	$35

* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications including credit and employment history, and amount of equity in the property. The current Wall Street Journal prime index rate is 3.25%. We add a margin to the index to determine the actual interest rate. The minimum APR is 3.75% The maximum APR is 15.00%. Rates for fixed term conversions taken against the line range from 5.00% APR to 8.50% APR. Loan Costs: Range between $155 and $1,500 to cover third party costs, and are paid by the borrower. Learn more about Home Equity.

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