Access your equity with a Home Equity Loan

What makes a Home Equity Loan right for you? You need a lump sum of money, that is, a certain amount all at once. These funds come from the equity you’ve paid into your home and can be used on whatever you need—home improvement, bills, or other expenses.

  • Low fixed-rate – Save more on interest with a lower rate than most personal loans or credit card options
  • Monthly payment structure – Pay back your loan with monthly payments that work for you
  • Terms up to 20 years – Option to extend your payments out to 240 months

Home Equity Loan Rates

Product Years APR Payment example
10-Year Fixed Home Equity 10 6.140% $548.85
15-Year Fixed Home Equity 15 6.152% $418.56
20-Year Fixed Home Equity 20 6.222% $358.22
†APR = Annual Percentage Rate. The APR is accurate as of 7/1/22. Based on a $50,000 loan amount with up to 80% combined loan-to-value (CLTV). Estimated payment does not include taxes and insurance premiums; actual payment may be greater.


  • Maximum CLTV (combined loan to value) on primary residences in Colorado/Utah up to 100% and 80% in Texas; CTLV on second/vacation homes up to 70% in all states. Mobile homes and rental properties are not eligible
  • Mobile homes and rental properties are not eligible


Security Service NMLS #458903 Membership eligibility required. Loan subject to credit approval. Financing available for properties in Texas, Colorado or Utah. Minimum loan amounts may apply.


Maximum term of 10 years for loan amounts ranging $15,000 - $49,999. Rate based on the loan amount, term, and CLTV (combined loan-to-value) ratio, so your rate may differ. Rates subject to change.
◊ Image is for illustrative purposes only. Not an actual member.