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Duct Tape Can't Fix Everything!

Get a permanent solution with our Home Equity Line of Credit.

Turn that equity into a line of credit that you can draw from any time — for anything. We now proudly offer Home Equity Loans at a competitive rate.


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Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Turn the equity in your home into ongoing, affordable financing up to 100%
  • Competitive rates for several ongoing or seasonal needs: 
    • Education expenses 
    • Major life events 
    • Home improvements 
    • Debt consolidation 
    • Emergency reserve 
    • And much more 
  • The existing equity in your home is used as collateral backing 
  • Accommodating repayment terms that work uniquely for you 
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter 
  • Revolving credit — as principal is repaid, more becomes available for use 
  • Funds easily available via oline banking/mobile app or phone transfers to a specified checking account 
  • The interest paid may be tax deductible* 
  • Set up automatic payments to be deducted from your account monthly
  • Local decision-making and fast processing
  • Personalized service from community members like you

Additional Details

  • 3-day rescind period for both fixed and HELOCs after you've signed all the final documents with the notary. This is giving you/the member the opportunity to change your mind or cancel the contract and is federally mandated. With the HE fixed loans, they go a step further, and require 3 additional days after we send the final disclosures before you're allowed to close.

A HELOC (or home equity line of credit) is a revolving line of credit that acts as a second mortgage on your home. The collateral for the HELOC is your home — specifically, the difference between what your home is worth and what you still owe on your mortgage loan.

Over time, equity in your home grows as you pay down your mortgage loan and your home increases in value.

If approved for a HELOC, you’ll enjoy a home equity line of credit from us that you can draw from as needed. As the principal amount is repaid, more becomes available for use.

To make your loan process as smooth as possible, here is a list of documents to have ready;


  • First Mortgage Statement
  • Homeowners Insurance Declarations Page
  • 2 most recent paystubs
  • Most recent W2


Self-Employed Borrowers:

  • Most recent full federal tax return
  • 3 most recent bank statements
  • First Mortgage Statement
  • Declarations page

If you have questions, our loan team will be more than happy to help.

*Consult a tax advisor