Home Improvement Loans

Today's Rates for a Home Equity Line of Credit (HELOC) starts at 4.750% APR*    

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Put the equity in your home to good use with a HELOC.  In addition to paying for home repairs or remodels, members also use HELOCs for large purchases, debt consolidation, family vacations or college tuition.  HELOCs provide a hedge for potential future needs and work as an alternative to credit cards.   Loans are approved based on qualifications.  *APR=Annual Percentage Rate

How HELOCs Work:

  • Apply for up to 80% of the equity in your home
  • Interest is paid only on the amount you use. If you don't use it, you pay no interest
  • Your HELOC remains available for 5 years 
  • Interest rates are based on the Prime Rate published in the Wall Street Journal.  Should the Prime Rate increase or decrease your rate may increase or decrease.  There is a maximum ceiling rate of 18% APR*. 
  • Annual Loan Fee is $50, and is waived the first year of your HELOC

Non Equity Loans

  • Borrow up to $20,000
  • No appraisal or equity required.

2nd Mortgage

  • This is a 5/1 Adjustable Rate Mortgage

Construction Loans

Are you ready to update your home? Our one-step Construction Loans can save you time and money. Not sure how construction loans work? Contact our team and we will be happy to help you. 

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