Today's HELOC
Rates are really low

2.99%Intro APR**

Call us for Details

Apply now

Tap into your home’s equity

With home prices on the rise, the equity in your home may be growing as well. We have several ways to help you unlock the equity in your home, and put it to use for sprucing up your house, putting in a pool, paying for college, or consolidating balances on high interest rate credit cards.

Home Equity Line of Credit1

Need flexibility, but don’t know how much you need? Then a HELOC might be the best option for you. With a HELOC you can use the funds when you need them and payback only what you spend.

Loan to value, up to: 80%

Rates as Low as

2.99%

Intro APR**

Compare Rates

Apply Today

Home Equity Loan (2nd)1

Do you know exactly how much money you need? A Home Equity Loan might be the choice you’re looking for. Lock in a fixed rate and a monthly payment.


Loan to value, up to: 80%

Rates as Low as

5.728%

Fixed APR*

Compare Rates

Apply Today

Home Improvement Loan

Are you ready to build a new pool, expand your outdoor living space, or renovate your kitchen? A home improvement loan with low interest rates and flexible terms may be the choice for you.

Loan to value, up to: 95%

Rates as Low as

5.875%

Fixed APR*

Apply Today

Accessing your home’s equity
doesn’t have to be complicated

especially if you know the steps to take ahead of time.

Step 1: Explore Your Options

Whether you know the exact amount you need, or you want a line of credit for things you may need later on, you can get either with EECU.

Explore Your Options

Step 2: Apply & Submit Documents

We've made it easy to apply, track your progress, upload documents and communicate with your Mortgage Advisor. You can speed up the process by having documents like proof of income and details about your property, ready before you apply.

Start Your Application

Step 3: Close Your Loan

Your big day is finally here – it’s closing time! Time to sign your loan documents. Once you’re finished, you’ll be able to access your loan or line of credit funds within a few days.

 

Congratulations!

Compare Home Equity Options

With a few details compare, a HELOC against a Home Equity Loan.

Home Equity Line of Credit1

Monthly Payment
$413 Variable-rate monthly minimum payments
Interest Rate
2.99% Intro APR. Variable rates as low as 5.50% APR thereafter.
Term

20-year term

(5-year draw period followed by a 15-year repayment period)

Benefits

Home Equity Line of Credit (HELOC) can be used for all the same reasons as a Home Equity Loan, but it offers flexibility.

This is a product you should consider if your borrowing needs vary over the next few years. It allows you increase or decrease your loan balance to fit your needs.

Apply Now

Home Equity Loan (2nd)1

Monthly Payment
$417 Fixed-rate loan monthly minimum payments
Interest Rate
5.728% Fixed APR
Term

20-year term

Interested in a different term? We offer 5, 10, 15, 20 year terms (30 year term available, call for details).

Benefits

Peace of mind of knowing that your rate and payments won’t change.

As the fixed-rate balance is paid down during the draw period, funds are replenished and available for use at the variable rate.

Apply Now

Mortgage Key Terms

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Spanish-speaking Mortgage Advisors are available.

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