Stabilize your finances with the power of your home.

Use the power of your home to escape high-interest credit card debt. A Home Equity Line of Credit (HELOC) lets you consolidate and pay off that debt at a fraction of the cost.

How your home can help:

The equity you’ve built up in your home can be a powerful ally in your journey to consolidate debt. A Home Equity Line of Credit (HELOC) gives you the flexibility to borrow amounts as small as $5,000 or as large as $500,000, according to your needs. Access funds whenever you need them and enjoy the benefit of only paying interest on the amount you use.

  • Interest rates as low as 8.99% APR¹
  • Borrow anywhere from $5,000 all the way to $500,000
  • Payments are based on how much money you’ve used from the line. If it’s at zero, you pay nothing
  • Loan amounts up to 100% of your home’s value minus your first mortgage and any other liens on this property
Home Equity Line of Credit

Tackling debt with the tools you already have.

Although they’re great for home improvements and fixes, Home Equity Lines of Credit can be used for anything you want. It’s a line of credit paired with the ability to stabilize not just your home, but your finances, too.

The real beauty of a HELOC is that interest is only charged on the line when you withdraw money from it. And even then, that interest is only based on the amount outstanding—just like a credit card.

Home Equity Line of Credit Home Renovations, Debt Consolidation, Cash Emergencies, and so much more. | Open the door to far lower rates than most credit cards

Borrow the money you need, right when you need it with a low rate and payments you can afford. As you repay the loan, your credit line is replenished automatically.

Here’s how our members use HELOCs:

debt consolidation icon

Consolidate high-interest debt with a low rate and affordable monthly payments.

home improvements icon

From a new wrap-around porch your dream kitchen, your home’s existing equity can help create more.

major purchases icon

When considering a major expense, even college tuition, a HELOC may be a worth option to consider.

Ready to get started?

Apply for a HELOC
Mortgages Home Renovations, Debt Consolidation, Cash Emergencies, and so much more. | Open the door to far lower rates than most credit cards

Get on with the good life.

With newly reduced mortgage rates and an easy, 100% online application, your first home, dream home or home refinance is waiting for you. Pair that with low closing costs and a trusted local lender to guide you through the entire process and you'll be one step closer to the good life.


APR = Annual Percentage Rate. APR is subject to change without notice. The variable APR applicable to your account will be indexed to the Prime Rate as published in the Wall Street Journal. As of July 27, 2023, the current Prime Rate is 8.50%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 8.99% APR and is 90% to receive a rate as low as 9.99% APR. APR that can apply is 18.00% or the maximum permitted by law, whichever is less. APR may vary depending on credit history. Homeowners insurance is required. Flood insurance is required where necessary. Member eligibility required.

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