3.99%APR* for the first 12 months...
as low as 8.25% Variable APR* thereafter
This flexible, variable-rate loan lets you use the money when you need it and only make payments on what you use. So it's perfect for home improvements or college expenses.
APPLY NOW! for a HELOC loan.
- Lower rates than most credit cards.
- You can choose to pay interest only, or interest and principal, each month.
- Substantial tax benefits may apply.
- The funds are available whenever you need them -- and you make payments only on the amount you use.
- Flexible Terms: 10 year draw period | 15 year repay period following draw period
*APR = Annual Percentage Rate is variable after 12 months based on Prime Rate of 8.50% as published in the Wall Street Journal as of July 27, 2023, plus a margin of between -0.25% and +1.00% for lines of $5,000 to $300,000 up to 80% loan to value (LTV). Rate will not fall below 4.00%APR. The 3.99% APR Promotional rate is available for 12 months from the date of the advance. The current lowest rate is 4.00%APR. Offer applies to residential property; 1-4 unit owner occupied only. Non-refundable appraisal fee may apply. Promotional rate is available for an initial advance of $5,000 for new home equity lines of credit. To qualify for promotional rate, advance must be made in-person. Offer is subject to CTCU membership qualification and credit approval and may be changed or withdrawn. Property insurance is required. Flood insurance may be required.