HOME EQUITY LOANS

Put your home equity to work for you for home improvements or other expenses.

Apply Today!

The Benefits Of A Home Equity Loan

Competitive Rates

Borrow towards the equity in your home

No annual fee or prepayment penalties

Local support and servicing

Your Home, Your Opportunity

At Together Credit Union, we believe your home is more than just a place to live — it's a powerful financial tool. Whether you're planning renovations, consolidating debt, or funding something big, our home equity solutions are built to help you move forward with confidence.

Explore Your Options

Home Equity Line of Credit (HELOC)

A revolving line of credit with variable interest rates. Borrow what you need, when you need it.

Pay interest only for the first 10 years
Access up to 85% of your home’s equity
Minimal closing costs, no annual fee, and no prepayment penalties

Connect with a Mortgage Loan Officer

Choice Home Equity Loan

A fixed-rate loan that gives you a one-time lump sum — ideal for large expenses or projects with a clear budget.

Choose from 5, 10, or 15 year terms
Borrow up to 80% of your home’s equity
Minimal closing costs, no annual fee, and no prepayment penalties

Connect with a Mortgage Loan Officer

When's a good time to choose a HELOC?

You are doing a home renovation that may vary in cost
You want to borrow only what you need, when you need it
You want a financial cushion for emergencies or income changes

When's a good time to choose a Choice Home Equity Loan?

You need to pay off a large medical bill that's a bit overwhelming
You want to fund back your 401k that you used as a down payment
You'll want a lump sum rather than a line of credit

A couple sitting at the ground admiring the new home.

Get Started Today

Ready to take the next step toward your new home? Apply online or speak with one of our mortgage loan officers to see if you qualify.

Apply Today!

Financial Wellness Resources

3 Things to Do Before Applying for a Home Loan

If you haven't done your homework, buying a home can feel overwhelming.

What You Need to Know About Refinancing Your Home Loan

Let’s talk about home refinancing to see if it’s a good fit for you.

Beginner's Guide to Homeowner's Insurance

Shopping around for the right homeowner’s insurance is almost as important as finding the perfect house.

Learn More

Disclosure:

1-APR (Annual Percentage Rate) effective 7/19/2024 introductory rate applicable for first twelve months following open date. After introductory period, APR is based on the Prime Rate (7.50%), or Prime Rate (7.50%) plus a margin bases on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00%APR, Cap = 15.0%APR. Loan features 10-year draw and 15-year repayment period. Current 5.99% APR reflects best rate available based on less than 90% LTV & individual creditworthiness. No credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. All loans subject to approval; membership eligibility required. Equity limits and underwriting requirements vary by state. Rates, terms, and conditions subject to change. NMLS#401252

2-APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Payment example: The monthly payment on a $10,000 loan for 180 months at 5.941% APR would be $84.09. Property insurance will be required and flood insurance where necessary. Payments do not include taxes and insurance premiums and the actual payment obligation may be greater. Consult a tax advisor regarding tax deductibility.