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Home Equity Loans and Lines of Credit


Home Equity Loan

A home equity loan allows you to borrow a fixed sum against the value of your home. It's a fixed rate, and while it's not typically quite as low as the rate on a first mortgage, it's still usually much lower than that of a credit card or other consumer loan. You can use the money for things like home improvement projects or to pay off a credit card. Often the interest is tax-deductible (consult your tax advisor). 


Home Equity Line of Credit (HELOC)

A home equity line of credit, often abbreviated as HELOC, gives you a maximum amount to draw against, rather than a fixed lump sum. It's a variable rate loan and it's open ended, meaning you can borrow, pay down, and borrow again, so long as you stay in good standing with the loan. Often the interest is tax-deductible (consult your tax advisor). 


For More Information

If you'd like to learn more about Home Equity options, fill out the form at right, call our Member Service Center at 1-800-273-6700, or stop in at one of our branches.