home equity loans

Bring your ideas to life with rates as low 4.00% APR1skip to disclosure

Fixed and variable rates | Borrow up to 90% of your home's value2skip to disclosure

Low-rate home equity loans with expert advice.

Competitive rates

Rates a low as 4.00% APR1skip to disclosure

Plus, no application fees on HELOC, Conventional Equity, or Flex Equity loans.

No hidden fees

Applying is easy.

Apply online in minutes with our simple step-by-step process.

Local experts

Local home equity loan experts

We'll work with you from application to closing and throughout the life of your loan.

Compare home equity loans

Whether you're looking for the flexibility of a HELOC or the security of a Conventional Equity loan, we have you covered with options and terms that meet your needs. See all rates


A revolving line with a variable rate, similar to a credit card.

  • Take up to 20 years to repay
  • Borrow as often as you wish during a 10-year draw period
as low as


APR1skip to disclosure

Conventional Equity

One low fixed rate for the life of the loan.

  • Receive the total loan amount in one lump sum
  • Available for a variety of terms.
as low as


APR1skip to disclosure

Flex Equity

One low fixed rate for 5 years. Then, your rate is variable.

  • Receive the total loan amount in one lump sum
  • Take up to 20 years to repay
as low as


APR1skip to disclosure

Future Value

Borrow on the future value of your home after renovations.

  • One low fixed rate for 5 years. Then, your rate is variable.
  • Take up to 20 years to repay
as low as


APR1skip to disclosure

What can I use my home equity loan for?

A home equity loan allows you to borrow against your home's equity to get a low rate loan that you can use for just about anything, including:

  • Home improvements
  • Debt consolidation
  • Education
  • Weddings or large expenses
  • ...And more!
Minimalist bedroom
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Calculate your monthly home equity loan payment.

Is a HELOC or Conventional Equity loan right for you? Calculate and chart your payments over time.

"Silky smooth.
Super simple process. The online experience was intuitive and streamlined. The credit union staff was eager to help. The best home loan experience I've ever had." - Scott N

Apply online or give us a call.

  • Homeowners insurance required.

  • Single-Family dwellings only in Illinois.

  • We lend in all of Illinois on primary and secondary residences.

  • Consult a tax advisor regarding deductibility of interest.

  • Must have a Credit Union membership established and be in good standing. Rate, points, and Annual Percentage Rate (‘APR’) may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Maximum loan to value varies based on multiple factors, including but not limit to loan type, property type and occupancy type.

  • Other restrictions may apply.

  • APR = Annual Percentage Rate

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  • Qualified Members can borrow up to 90% of the appraised market value of their home (up to 80% for first lien loans, condos and second homes), Loan to Value, less the first mortgage owed.

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