Bring your home improvement ideas to life.

Give us a call at 800-323-2611 or schedule a free appointment with our experts.

Take advantage of the equity in your home.

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. Whether you're looking for a lump sum loan at a fixed rate (conventional equity) or a line of credit that you can draw from when you want (HELOC), we are here to help you make the best financial decision.

Today's home equity loan rates


Access a line of credit, similar to a credit card.

Rates as low as:



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Conventional Equity

One low fixed rate for up to 10 years.

Rates as low as:



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Flex Equity

Low fixed rate for 5 years. Thereafter, your rate is variable.

Rates as low as:



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Future Value

Borrow on the future value of your home after renovations.

Rates as low as:



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Low-rate home equity loans with expert advice.

We offer four home equity loan options and lend up to 90% of the value of your home2skip to disclosure on both primary and secondary homes.

Competitive rates

Highly competitive rates

Low home equity rates with exclusive rate offers for members.

No hidden fees

No hidden fees3skip to disclosure

Pay no application fee once you lock in your rate.

Local experts

Local home equity loan experts

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

Not sure where to start?

Thinking about a home equity loan but not sure if it's right for you? We'll help you make the most informed decision.

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Get the right home equity loan for you.

Home equity loan reviews

star rating Average star rating of 5 stars 70 Reviews of Home Equity Loans

The online application was difficult, would not accept my information, would not tell me why so that I could fix it.

On the other hand the staff could not be more nice and helpful, consistantly providing wonderful customer service. They took my information over the phone and got things taken care of. Customer service like this will keep me coming back for a long time. Keep up the good work.

Andrew S.
Silky smooth

Super simple to 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
Staff were very helpful answering all my questions when I applied for a home equity loan.

Home Equity loan process.

Cathy Feltz
  • 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 be a Member in good standing.

  • 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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  • Closing fees may apply for certain counties.

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