Being a homeowner comes with responsibilities—but it also comes with real financial opportunities. One of the biggest? Tapping into your home’s equity when you need a little extra support or flexibility. Whether you’re planning to renovate, consolidate debt, or tackle a major life expense, a Home Equity Loan or Home Equity Line of Credit (HELOC) from The Family Credit Union can be a smart solution.
What Can You Do With a Home Equity Loan?
As you pay down your mortgage and your home’s value increases, you build equity. This equity can be borrowed against—similar to how a loan works—giving you access to funds for a variety of needs.
Here are just a few ways members use their home equity:
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✅ Home renovations or upgrades – from kitchens to curb appeal
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✅ Debt consolidation – combine high-interest debts into one manageable loan
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✅ Major life expenses – like weddings, medical bills, or college tuition
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✅ Emergency costs – when the unexpected happens
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✅ Dream vacations – reward yourself with something special
At The Family Credit Union, you can borrow up to 95% of your home’s equity, with repayment terms up to 15 years (180 months). We offer both Fixed Rate and Variable Rate Home Equity Loans, so you can choose the option that works best for your budget and goals. Click here to see current rates.
HELOC 2.0 Makes Home Equity Loans Easy
You can apply for a HELOC 2.0 online and get started on paying for college, home improvements, vacations, and more.
You can choose from a low variable rate connected to the Prime Rate or you can go with a fixed-rate option. The money is electronically put into your account, so you won’t have to mess with checks. You can access the funds through the CU@ccess24 online banking function.
Thinking About Home Improvements?
Home upgrades not only improve your comfort—they can increase your home’s value. Use a Home Equity Loan or HELOC to fund:
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DIY projects you’ve been putting off
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Professional remodeling through a trusted contractor
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Energy-efficient updates or new appliances
You get to decide how to spend the funds—and how to make your home even better.
The Family Credit Union Has Your Back
We want to do what we can to make your life easy and comfortable, that’s why we offer affordable home equity loans to our members. In addition to these loans, we also offer Debt Protection. In the off chance that something should happen due to death or disability, this protection will make the loan payments. You have enough on your mind and having to worry about debt shouldn’t be one of them.
All loans are subject to approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, qualifications and collateral conditions.
Contact the friendly staff at The Family Credit Union to learn more about how a Home Equity Loan may be the solution for you!
