Home Equity Loans

Make projects possible with a Home Equity Loan.

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Father and son looking at blueprints while standing over a kitchen island that is being renovated

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.
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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 Home Improvement Loan

Overview

A revolving line of credit that offers low rates, because the equity in your home is used as collateral.

Paid in a single disbursement; offers a fixed rate and a fixed monthly payment. Unsecured loan with no equity requirement.

Loan Amounts

Line amounts up to $150,000

Loan amounts up to $50,000

Length of Term

Draw period of up to 10 years

Term lengths of 48, 60, or 72 months

Special Features

Make interest-only payments during draw period (80% LTV only)

Enjoy predictable monthly payments

Closing Costs

Closing costs vary by state. The average is $300, but can range from $50 to $3,000.)

No closing costs; no appraisal or lien required

Home Equity Line of Credit Rates

Home Equity Line of Credit APR as Low as1
Flex-Line HELOC – 80% loan-to-value 7.25%
Flex-Line HELOC – 90% loan-to-value 8.75%

1APR = Annual Percentage Rate.
Rates effective as of April 29, 2025 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.

Home Improvement Loan Rates

Home Improvement Loan APR as Low as1 Payment per $1,000
48 Month Term 10.75% $25.72
60 Month Term 12.75% $22.63
72 Month Term 14.75% $21.01

1APR = Annual Percentage Rate. Rates effective as of April 29, 2025 and subject to change without notice.
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.
Loan is not secured by a dwelling.
Membership with a $5 Share Account required.

Get in. Get help. Get on your way.

Appointment Concierge is a scheduling service that helps you get prompt, face-to-face service on your schedule. Schedule as far out as 15 days, or as little as 2 hours ahead. Tell us about your needs, so we’re ready to help.

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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.

Are there closing costs for a Home Improvement Loan?

No, there are no closing costs on a Home Improvement Loan.

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).

What’s the difference between a Home Improvement Loan and Home Equity Line of Credit?

A Home Improvement Loan is a one-time installment loan at a fixed rate, providing a single lump sum and predictable monthly payments over the loan’s term. The loan is not secured by a dwelling.

A Home Equity Line of Credit is a revolving, variable-rate line of credit you can draw on as is needed, over a time frame of up to 10 years.

What is the maximum amount I can borrow for a Home Improvement Loan?

You can borrow up to $50,000 with a Home Improvement Loan.

Apply for a Home Equity Loan at: