We do not currently offer HELOCs. However, we do offer a home equity loan as a strong alternative.

Our home equity loan is a fixed-rate, one-time disbursement second mortgage that may be a good fit for home improvements, debt consolidation, education expenses, or other major purchases.

Because it is not a revolving line of credit like a HELOC, it is generally best for members who know about how much they want to borrow upfront and prefer predictable monthly payments.

To get started, visit our mortgage loan page and click Apply Online.

You will be asked to create an account before beginning your application. This allows you to save your progress and return later if needed.

When prompted for the loan purpose, select Cash-Out Refinance, since you are borrowing against the equity in your home.

Once your application is submitted, a mortgage loan originator will typically contact you within one business day. They will be your main point of contact and guide you through the process all the way to closing.

In most cases, you may be able to borrow up to 80% of your home's current value, minus the balance of your existing first mortgage.

For example, if your home is appraised at $300,000 and you owe $200,000 on your first mortgage, you may be able to borrow up to $40,000. That is because 80% of $300,000 is $240,000, and $240,000 minus $200,000 equals $40,000.