Fund home improvements and pay down debt.

Schedule a free appointment with a home loan expert today.

Similar to a credit card, with a HELOC, you have access to a line of credit that is there when you need it.

  • Take up to 20 years to repay your loan with no prepayment penalties
  • Borrow as often as you wish during a 10-year draw period
  • Your rate will never increase more than 6% over your initial rate and can only change once a year
  • We lend on primary and secondary homes in Illinois
  • Borrow up to 90% of the value of your home2skip to disclosure with loans from $10,000 - $1,000,000

Today's HELOC Rates

Rates as low as:



APR1skip to disclosure

Fee transparency

We don't charge application or closing fees3skip to disclosure. Plus, with no prepayment penalties, you can feel comfortable paying off your loan early.

Application Fee$0
Prepayment Penalties$0
Closing Fee3skip to disclosure$0
Annual Fee4skip to disclosureWaived first year. Then, $50/year
Recoupment FeeOnly if closed in first 2 years. Varies


Calculate your home equity line of credit payment.

Use this home equity line of credit calculator to estimate your rate and monthly payments.



  • Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Get help with HELOCs.

You are able to draw from your HELOC for the first ten years as many times as you would like on a revolving basis. The minimum advance (after your first advance) is $500.

To order more HELOC checks, simply email us with your name and phone number or call us at 800-323-2611. We will contact you the next business day to place your order.

To draw from your HELOC, you can:

  • Log into Online Banking or the Mobile Banking App, select the Transfers tab, and transfer money directly to a DuPage Credit Union checking or savings account
  • Use our Automated Phone Banking service
  • Write a HELOC check directly to the person or business of your choosing

You can use your Home Equity Line of Credit to make home repairs, consolidate debt, or pay for tuition.

  • 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.

  • 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. 4.00% for a fixed rate with a term of 20 years with monthly principal and interest payments of $309.72. Payment examples based on a loan amount of $50,000 and a loan-to-value of 80%. Payment example does not include taxes or insurance premiums.

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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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  • Annual Fee: $50 annually, waived the first year.

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