Home Equity and
HELOC Loans
Loans to make a house your home.

Do you want to use the equity you have built in your primary residence?
With our Fixed Home Equity Loans or our Home Equity Lines of Credit (HELOC)1, you can do just that. You can borrow 80% of your home’s value at a low rate or borrow up to 100% of the value at a slightly higher rate. Our home equity loans have fixed interest rates, fixed monthly payments and flexible repayment terms.
An Educators Credit Union Home Equity Loan can help you:
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Improve your home
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Make a big purchase
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Consolidate debt
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Home Equity and HELOC Rates
LOAN TO VALUE |
APR1 AS LOW AS |
PAYMENT PER $1000 (AS LOW AS) |
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1APR = Annual Percentage Rate. LTV = Loan to Value. Rates are subject to change. Subject to underwriting approval. Over 90% LTV requires appraisal. *All tiers are subject to appraisal based on loan amount and underwriting guidelines. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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LOAN TO VALUE 80% OR less |
APR1 AS LOW AS as low as 5.90% |
PAYMENT PER $1000 (AS LOW AS) $19.30 |
LOAN TO VALUE 81%-90% |
APR1 AS LOW AS as low as 8.15% |
PAYMENT PER $1000 (AS LOW AS) $20.36 |
LOAN TO VALUE 91%-100% |
APR1 AS LOW AS as low as 9.65% |
PAYMENT PER $1000 (AS LOW AS) $21.09 |
LOAN TO VALUE |
APR1 |
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1APR = Annual Percentage Rate. Subject to underwriting approval. *All tiers are subject to appraisal based on loan amount and underwriting guidelines. Payments are 1.5 percent of the balance or $50 whichever is greater. Rates and terms are subject to change and not guaranteed. When Your Home is on the Line: What you should know about Home Equity Lines of Credit Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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LOAN TO VALUE <80% LTV2 |
APR1 7.74% |
LOAN TO VALUE 81%-90% LTV2 |
APR1 9.24% |
LOAN TO VALUE 91%-100% LTV2 |
APR1 10.24% |