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Home Equity Loans and HELOCs


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Make home improvements, pay for tuition, consolidate debt and more. With home values on the rise, now is the perfect time to tap into your home’s equity and finance the big projects.

Choose from two flexible options

Home Equity Line of Credit (HELOC)

  • Use for your ongoing credit needs
  • Revolving credit line of up to $200,000 
  • A 7 year draw period
  • An additional 15 year repayment period
  • Up to 22 years for repayment including the draw period

Home Equity Loan

  • Lock in a great rate for a one-time financial need
  • Close-ended loan of up to $200,000
  • Up to 20 years for repayment

Apply Now

Table data for Affordable Rates and Generous Terms
 Rates Effective 05-26-2019
Loan Type APR1 Rate Type Term Alert Me
Home Equity Line of Credit (HELOC) 6.24% Variable Up to 180 Months
Home Equity Loan 6.24% Fixed 60 Months
Home Equity Loan 6.49% Fixed 120 Months
Home Equity Loan 6.74% Fixed 180 Months
Home Equity Loan 6.99% Fixed 240 Months
1APR=Annual Percentage Rate. Advertised rates for Home Equity Loan and Home Equity Line of Credit (HELOC) include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher.
HELOC: 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. Home Equity Loan: 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 6.49% APR has a monthly payment of $567.49. All loans are subject to approval. Third party fees may occur.

^Payments by phone can be accepted to all loans except First Mortgages. There is a $10 service charge for each payment made using the Payment by Phone service. Payments to your SkyOne loan cannot be made using your SkyOne credit card. The maximum payment amount using this service is $5,000. Please refer to the Schedule of Service Charges and All in One Disclosure for complete details.

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There are many financial decisions involved in purchasing or refinancing a home. Our calculators are here to help you choose the mortgage that works best for you.

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Please keep in mind, the calculators don't take into account all the factors that should be considered when choosing a mortgage. The final decision should always be based on what's best for you and your individual situation.

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Home Insurance

Members Only. Home Insurance Savings. Get A Quote.

TruStage™ Home Insurance Program

Exclusively for credit union members like you, the TruStage Home Insurance Program provides affordable top-quality protection for your home.  

This valuable coverage can help you protect your family's home and personal belongings. You'll also have access to outstanding online and 24/7 claim services.

Get your free quote today or call 1.855.483.2149.


TruStage™ Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.



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