Looking to make a major purchase to expand your home or for another significant transaction? Consider our Second Mortgage Loan. With a fixed interest rate and a fixed term, you can manage your payments with the comfort of knowing your monthly payment will not change.

• Fixed Interest Rate
• Amounts Available Up to $400,000
• Up to 80% Loan to Value
• Fixed Term Up to 15 Years
• Fixed Monthly Payments

Click here to apply online, or click here to check interest rates, or call (800) 344-4497, then press option 4 to speak to a Call Center Representative for more information.

Actual interest rates are based on individual credit history.

Consider credit life and disability insurance for added protection from unexpected events.

Available when you need it, our Home Equity Line of Credit (HELOC) is easy to access. Use special HELOC checks the same way as regular checks, whenever you wish. Log in to your account and transfer funds from your HELOC to your checking account. Advances must be at least $500.

• Interest Rates as Low as Prime
• Amounts Available Up to $300,000
• Up to 80% Loan to Value
• Payments are Principal and Interest During the Draw Period up to 10 years
• Repayment Term After Draw Period Up to 15 Years
• Use Special HELOC Checks the Same Way as Normal Checks
• Access Your Account Online and Transfer to Your Checking Account

Click here to apply online, click here to check interest rates, or call (800) 344-4497 and press option 4 to speak to a Call Center Representative for more information.

The interest rate is prime, as listed in the Wall Street Journal, plus a margin. Interest rates are adjustable based on prime and can be adjusted on the fifteenth day of the first month of the quarter, based on the prime rate on the last day of the previous quarter. The HELOC interest rate floor is 6.00%. Actual Interest rates are based on individual credit history. Transfers can be made online in T-Access to your other accounts with us.

Consider credit life and disability insurance for added protection from unexpected events.

More potent than a HELOC, our Super Home Equity Line of Credit (SHELOC) can be used for home renovations, repairs, or even larger purchases.

• Interest Rates as Low as Prime Minus 1%
• Amounts Available Up to $600,000
• Up to 80% Loan to Value
• Interest Only During the Draw Period Up to 10 years
• Repayment Term After Draw Period Up to 20 years
• Can Be Used for Overdraft Protection
• Funds can be transferred to your checking account online

Click here to apply online, or click here to check interest rates, or call (800) 344-4497, then press option 4 to speak to a Call Center Representative for more information.

Interest is prime, as listed in the Wall Street Journal, plus or minus a margin. Interest rates are based on prime and can be adjusted on the fifteenth day of each month. The interest rate floor for the SHELOC is 3.25%. Actual interest rates are based on individual credit history. The minimum initial withdrawal is $5,000. This product can be tied to your checking account for overdraft protection.

Consider credit life and disability insurance for added protection from unexpected events.