Home Equity Loans
Put your home's equity to work.

Choose the loan that is best for you — a secure line of credit or a fixed rate for a define period of time.

Home equity loans allow you to use your home's equity as a resource for your finanical needs. Use it for planned expenses such as home projects, educational expenses, debt consolodation, or for those unplanned events that happen in life.

  • Home Equity Line of Credit

    Home Equity Loans are available up to 144 months based on the equity in your property. Loan proceeds can be used for home improvements, bill consolidation, vacations, tuition, etc.

    To access your funds, you call 833-759-1941 or use Online Banking for transfers.

    Features include:

    • Up to 12-year Repayment
    • Minimum Line of Credit is $10,000
    • Maximum Line of Credit is $150,000
    • Five-year renewable advance period
    • $100 per month minimum payment
    • $5000 minimum advance must be taken at closing
    • $500 minimum subsequent advances
    • First three advances per quarter are free; $5.00 per additional advance
    • The finance charge begins to accrue on the date each advance is posted to the credit limit and accrues for each day the balance remains unpaid

    To apply, these items are required to process your loan:

    1. Proof of Current Homeowners Insurance Declaration page
    2. Current Mortgage Statement
    3. Verification of Income (current paystub, or additional verification may be required)
       

    Other Important Information:

    Loan to Value Term Variable Rate Based on: Rate Floor
    Up to 80% Up to 144 months Prime (Index) 5.00%
    Over 80% - 90% Up tp 144 months Prime plus 3/4% (Margin) 5.75%
    • Rate adjustment twice annually in February and August
    • Cap on rate changes: 1% per adjustment
    • Cap on adjustments: 7% maximum over the term of the loan
    • A.P.R. can never exceed 18% or fall below 5%. May be up to 90% of Property Value as evidenced by an alternative valuation method or Certified Professional Appraisal.

    View Rates Apply Online

  • 2nd Mortgage

    Single-advance Fixed Rate Home Equity Loans are available up to 120 months based on the equity in your property. Loan proceeds can be used for home improvements, bill consolidation, vacations, tuition, etc.

    Features include:

    • Up to 10-year Repayment
    • Minimum Loan Amount is $10,000
    • Maximum Loan Amount is $100,000.00
    • Fixed rate options for 8-year or a 10-year term
    • $100 per month minimum payment
    • Loan amount advanced at closing
    • The finance charge begins to accrue on the date of funding and accrues for each day the balance remains unpaid

    To apply, these items are required to process your loan:

    1. Proof of Current Homeowners Insurance Declaration page
    2. Current Mortgage Statement
    3. Verification of Income (current paystub, or additional verification may be required)
       

    Other Important Information:

    • First and 2nd mortgages only
    • Home equity only; not available for purchases
    • Kansas and Oklahoma property only
    • Equity loans not available with co-signers
    • No pre-payment penalty

    Borrow Your Equity Based on the Following:

    • Drive by Appraisal or Certified Appraisal if required

    View Rates Apply Online

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) mandates a federal registry for credit unions and their employees who are “mortgage loan originators” (MLOs). You can view a list of our MLO’s by clicking here.

Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.
HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda).
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