Home Equity Loan Rates as Low as 6.500% APR3skip to disclosure

No application feeskip to disclosure
Fixed and variable rate loans options
Loan amounts from $10k to $1,000,000
Borrow up to 90% of your home's value2skip to disclosure
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Compare Home Equity Loans

HELOC

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
8.500

%

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
6.500

%

APR3skip 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
8.327

%

APR4skip 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
8.323

%

APR5skip to disclosure

Why Choose DuPage Credit Union?

When it comes to your home equity loan, you want local, experienced professionals from an established financial institution—professionals you can pick up a phone and call if you ever need help. Since 1956, DuPage Credit Union has been there for our members.

  • no-fees

    No application fee

    No application fee on HELOC, Conventional Equity, or Flex Equity loans.

  • Purchase-alert-Icon_Online

    Easy online application

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

  • local-experts

    Local home equity loan experts

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

Green up your home

Energy Efficient Home Improvement Credit

The energy efficient home improvement credit is a federal tax credit that can help homeowners recoup the cost of energy efficient home upgrades. Through 2032, homeowners may qualify for up to $3,200 annually in tax credits. For more information, visit the IRS' energy home improvements page.*

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What Our Members Are Saying

5.0 ★★★★★

The DuPage Credit Union team that helped me with my new home equity loan were very helpful and always there to answer questions. They made the whole process very easy. Highly recommend DuPage Credit Union for loan needs.

Brian R.

Process was smooth and timely. Closing was as simple as could be. Service, at the Wheaton branch, as always, was wonderful!

Noell H.

I was kept informed and the DuPage CU staff very knowledgeable and efficient in processing our HELOC loan. Thank you for making it so easy and quick!

Jon K.

Professional woman

Schedule a free consultation.

Not sure which home equity loan option is right for you?
Speak with a Residential Lending Specialist.

Frequently Asked Questions

*DuPage Credit Union cannot give tax advice and cannot guarantee the eligibility of any home improvement qualifying for the federal tax credit. It is recommended that you consult a tax advisor to determine any tax credit or deductibility of interest.
  • No application fee on Home Equity Line of Credit (HELOC), Conventional Equity Loan, or Flex Equity Loan. For Future Value Home Equity Loan, application fee of $295 is only fee due prior to ordering appraisal. $100 processing fee is due at closing. Closing, Appraisal and Title fees will vary by county.

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  • Home Equity Line of Credit APR = Annual Percentage Rate. Prime rate as published in the Wall Street Journal 10 days prior to the change date. Rate is subject to change annually. Your rate will never be less than 4% or exceed 6% over initial rate or the maximum allowed by law. Actual payment may vary based on amount, term, APR, taxes and insurance, and other factors. Homeowner insurance required. All loan terms and conditions are subject to Credit Union qualifications and approval. Must have a credit union membership established and in good standing. Some restrictions may apply.

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  • Home Equity Line of Credit (HELOC), Conventional Equity Loan, Flex Equity Loan: 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.

    Future Value Home Equity Loan: Qualified Members can borrow up to 90% of the future market value of their home, less the first mortgage owed.

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  • Conventional Equity APR = Annual Percentage Rate. Rate subject to change without notice. Payment Example: 6.500% APR for a fixed rate with a term of 60 months monthly principal and interest payments of $978.31, based on a loan amount of $50,000 and a loan-to-value of 80%. Minimum loan amount $10,000, Maximum loan amount $1,000,000. Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowner association dues. Actual payments may vary based on amount, term, APR, taxes and insurance, and other factors. Homeowner insurance required. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing. Appraisal cost is disclosed on the loan estimate prior to signing.

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  • Flex Equity Annual Percentage Rate. Rate subject to change without notice. 20 year 5/1 ARM: Adjustable Rate Payment Example based on a loan amount of $50,000 and a loan-to-value of 80%: 5/1 adjustable rate with a 8.327% APR, the first 60 payments are $434.65, with 12 payments at $500.22 if the rate were to adjust to 10.50%, 12 payments at $569.43 if the rate were to adjust to 12.50%, 12 payments at $641.74 if the rate were to adjust to 14.50%. Payment examples do not include homeowner insurance, property taxes, private mortgage insurance or homeowner association dues. Payment examples were calculated using the initial payment period, and then each payment thereafter was calculated using the maximum rate allowed for each rate change period until maximum rate achieved. Rate and payment will adjust annually based on the index and loan terms through the life of the loan for the continued repayment period. Example for informational purposes only. Actual payments may be higher. Homeowner insurance required. Minimum loan amount $10,000; maximum $1,000,000. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing.

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  • Future Value Home Equity APR = Annual Percentage Rate. Rate subject to change without notice. 20 year 5/1 ARM: Adjustable Rate Payment Example based on a loan amount of $50,000: 5/1 adjustable rate with a 8.323% APR, the first 60 payments are $434.65, with 12 payments at $500.22 if the rate were to adjust to 10.50%, 12 payments at $569.43 if the rate were to adjust to 12.50%, 12 payments at $641.74 if the rate were to adjust to 14.50%. Payment example does not include taxes or insurance premiums and actual payment may be greater. Payment examples were calculated using the initial payment period, and then each payment thereafter was calculated using the maximum rate allowed for each rate change period until maximum rate achieved. Rate and payment will adjust annually based on the index and loan terms through the life of the loan for the continued repayment period. Example for informational purposes only. Homeowner insurance required. Minimum loan amount $25,000; maximum $200,000. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing.

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Routing Number:
271990198