Unlock the value of your home with flexible home equity loans and lines of credit from Emery Federal Credit Union. Whether you’re planning a home renovation, consolidating debt, or covering major expenses like college tuition or medical bills, our affordable financing options put your equity to work for you. Enjoy competitive interest rates, flexible repayment terms, and the trusted support of a local credit union that puts members first. Explore the benefits of borrowing with Emery FCU and see how a HELOC or fixed-rate home equity loan can help you achieve your financial goals.

Our home equity loans have no prepayment penalties, no annual fees, and possibly tax-deductible interest (check with your tax adviser). Plus, closing costs are only $349!* So, what home equity loan solution works best for you?

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Home Equity Line of Credit

A home equity line of credit works sort of like a credit card limit. You borrow only what you need, up to your preset limit, and pay principal and interest on what you borrow.

Benefits:

  • Easy access to funds for large expenses now and in the future
  • Low rates (as low as Prime -1%**)
  • Make payments on only your outstanding balance
  • Can borrow up to 90% of your home’s equity*
  • No draw fees
  • Loan terms up to 15 years with a 10-year draw period
  • Payments recalculate monthly

Fixed Rate Home Equity Loan

A fixed rate home equity loan offers a single lump sum that can help you pay for a home improvement, pay tuition, make a large one-time purchase or consolidate high-interest debt.

Benefits:

  • Borrow a specific amount with a fixed rate, term and monthly payment
  • Loan terms up to 15 years
  • Fixed payment
  • No prepayment penalty
Disclosures & Information

*Subject to credit approval
**Floor annual percentage rate as low as 3.25%

What you should know about home equity lines of credit
HELOC Disclosure

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