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Make Your Home Work for You

Whether you’d like to start that major remodel, consolidate debt, pay for educational expenses, or even take that trip abroad, our Home Equity Line of Credit offerings will provide you with a versatile source of funds to help you get more from life.

Home Equity Line of Credit (HELOC)

  • Money available as a revolving line of credit
  • Draw on money for up to 10 years, repay over 15 years
  • No annual fee
  • No minimum draw requirements
  • Low closing costs

Interest-Only Home Equity Line of Credit (IO-HELOC)

  • All the benefits of a HELOC with lower, interest-only payments
  • Best used for funding big plans in the short-term, while budgeting for the future

purchase money second Line of Credit

  • Used to supplement a down payment on a first mortgage
  • Also called a Piggyback Loan

For a limited time, get a low rate and $550 in givebacks!1

  • Rates as low as 8.50% APR*
  • $350 in closing fees waived
  • $200 in cash
View Disclosures

*APR = Annual Percentage Rate. Loans are subject to credit approval. Not all will qualify for the lowest rate. Rates are variable with a maximum rate of 18.00% APR. Fees for appraisal, title insurance, flood hazard determination, and recording charges may apply. The estimated aggregate of credit union and third-party fees range from $115 to $1,900. Closing costs vary and average $301. The interest may be tax deductible. Consult your tax advisor. Property insurance required.

1Subject to credit approval. Not all will qualify for the lowest rate. Limited time offer. Offer available beginning May 1, 2024. Bridge loans and/or SIMO purchases do not qualify. Terms and rates subject to change at any time without notice.

By applying for a loan, you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting an application, you agree to allow us to receive the information contained in your application as well as the status of your application. You can review disclosures at

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Access on the go!

Manage your accounts worldwide with free Online and Mobile Banking and free eStatements. In the U.S., funds are accessible at nearly 30,000 fee-free CO-OP ATMs and over 5,600 CO-OP Shared Branch locations. View Locations