Low-rate home equity loans with expert advice.
Rates a low as 4.00% APR1skip to disclosure
Plus, no application fees on HELOC, Conventional Equity, or Flex Equity loans.
Applying is easy.
Apply online in minutes with our simple step-by-step process.
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.
One low fixed rate for the life of the loan.
One low fixed rate for 5 years. Then, your rate is variable.
Borrow on the future value of your home after renovations.
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:
Calculate your monthly home equity loan payment.
Is a HELOC or Conventional Equity loan right for you? Calculate and chart your payments over time.
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
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
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.