Access money as you need it with a HELOC

What makes a HELOC (home equity line of credit) right for you? You want to have easy access to money any time you need it and with no stipulations on how you use it. Whether you’re working on a home improvement project, paying unexpected bills, or covering other expenses, with a HELOC you can borrow from the equity you’ve paid into your home.


  • Special introductory rate1 – Low, fixed rate for the first 12 months
  • Save up to $5,000 on closing costs2 – We’ll cover you up to $5,000
  • Open for 15 years3 – Funds available for 15 years


HELOC Loan Rates
Product APR
Home Equity LOC 7.990%
Home Equity LOC Interest Only 7.990%


Federally insured by NCUA, NMLS #458903. Membership eligibility required. Restrictions apply. Loan subject to credit approval. Financing available for properties in Texas, Colorado, and Utah. Maximum combined loan to value (CLTV) on primary residences in Colorado/Utah up to 95% and 80% in Texas; CLTV on second/vacation homes up to 95% in all states. Mobile homes, rental properties, and land are not eligible. Minimum loan amounts may apply. Rates subject to change.
† APR = Annual Percentage Rate. The APR is accurate as of 6/5/24.


1. Introductory interest rate and APR of 7.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. For example, Home Equity LOC - Percentage of Balance the current rate would be 8.5% APR based on a combined LTV of 80% and credit limit of $100,000. Refer to Home Equity LOC – Percentage of Balance Early Disclosure for more information. Based on a Home Equity LOC - Interest-Only with a credit limit of $100,000 and CLTV of 80.00%, the interest rate and APR based on the current index and margin would be 8.5%.  Refer to Home Equity LOC – Interest-Only Early Disclosure for more information.  Learn more in the What You Should Know About Home Equity Lines of Credit brochure. 


2. The program offer to save up to $5,000 in select closing costs does not cover mortgage insurance, seller paid closing costs, discount points, or prepaids and reserves. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred. The program is not valid for FHA or VA loans. Closing costs may vary based on transaction.
3. Minimum draw applies.
◊ Image is for illustrative purposes only. Not an actual member.