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Update Your Space

With a Home Equity Line of Credit (HELOC)

Use funds as you need them, up to a pre-set limit.

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With a Lockable HELOC, transform your space with the finishing touches you’ve been dreaming of.

  • 1.99% intro rate for 6 months, then rate adjusts to HELOC rate (currently as low as 4.00% APR)
  • No annual fees or prepayment penalties
  • Low closing costs


Terms and Conditions

APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. After introductory period, rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicant’s credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%. Payment is the greater of 1% of outstanding balance or $50. No closing costs. Member is responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $250-$650 depending upon location. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

Late 2019 I refinanced my home and added a HELOC…I used my extra time this summer to replace old chain-link fence with a beautiful cedar privacy fence around my property. Using my HELOC as cash to pay for the fence, I received a discount from the contractor! Not only does this add value to my property, but my dog Stanley can't climb this fence the way he could the chain-link - I can spend more time relaxing and less time chasing the dog! Thank you!!



Member Since 2012