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Home Equity Loans

Make projects possible with a Home Equity Loan.

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HELOC Offer: Up to $300 Off Closing Costs

A Home Equity Line of Credit (HELOC) from Wings can help put your home's equity to work. Apply now and save up to $300 in closing costs!

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Membership with a $5 Share Savings Required. Participation is subject to credit approval. Closing costs waived up to $300 (excluding appraisal if required). Closing costs vary by state. The average cost is $500 but can range from $50 - $3,000. Property insurance required. Available on internal refinances on accounts open for at least one year.

Transform your home with convenient, low-cost financing.

Home Equity Loans offer convenient, low-cost financing for home improvements. A Home Equity Line of Credit (HELOC) can be used to finance virtually anything, from home projects to travel and more. It can also help you save money by refinancing or consolidating higher-rate loans.

Low Rates

Your Wings membership gets you some of the lowest loan rates for all your financial needs.

Apply Anytime

Easily and quickly apply for a loan using our online tools.

Flexible Financing

Use it for home improvements, major purchases (such as a vacation) or debt consolidation

Home Equity Loan Options

Compare & find the best account for you.

	Home Equity Line of Credit
Overview	A revolving line of credit that offers low rates, because the equity in your home is used as collateral.
Loan Amounts	Line amounts up to $150,000
Length of Term	Draw period of up to 10 years
Special Features	Make interest-only payments during draw period (80% LTV only)
Closing Costs	Closing costs vary by state. The average is $300, but can range from $50 to $3,000.)

Home Equity Line of Credit Rates

Home Equity Line of Credit	APR as Low as¹
Flex-Line HELOC – 80% loan-to-value	6.50%
Flex-Line HELOC – 90% loan-to-value	8.00%

¹APR = Annual Percentage Rate.
Rates effective as of March 31, 2026 and subject to change without notice.
HELOC rates are variable. The maximum APR is 18%.
Closing costs vary by state. The average cost is $500 but can range from $50–$3,000.
Property insurance is required.
Interest-only payments only available for loans approved at 80% LTV.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.

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Common Questions About Home Equity Loans.

See All FAQs

How do I access the funds in a Home Equity Line of Credit?

You may transfer available funds from your line of credit to your checking account in digital banking.

Are there closing costs for a Home Equity Line of Credit?

Yes, closing costs can range from $50 - $3,000.

Is the interest on a home equity loan or line tax-deductible?

A portion of your interest may be tax-deductible (consult your tax advisor).