Turn Your Equity Into the Solution
Make those long-awaited improvements quickly, easily, and affordably without refinancing into today’s higher mortgage rates. With Home Equity Line of Credit rates as low as 3.49% APR* for the first 12 months, and Home Equity Loan rates as low as 4.99% APR* for 5-year terms — you can easily tackle home improvements, consolidate debt, or fund those big dreams. No matter which option fits best, our Lending Team will guide you through the process and help you choose the solution that works for your goals.
At HRCU, we’re committed to helping you enhance your home, support your family, and achieve financial peace of mind — all with the trust and care you expect from your local credit union. Learn more about Home Equity Loans and Lines of Credit. Apply today!
APR (Annual Percentage Rate). Rates current as of 10/1/25. Rates and terms are subject to change without notice. The interest rate applied may be applicant’s credit score, debt ratio, etc. HRCU makes all final determinations regarding applied interest rate. See the Credit and Security Agreements available at HRCU.
1Advertised rate applies only to Home Equity Loans in the first lien position for a five-year term. Additional rates, terms, and lien positions available. Home Equity Loans are limited to an 80% loan-to-value (LTV) and minimum loan amount of $5,000.
2Home Equity Lines of Credit (HELOCs) feature a variable interest rate and are limited to an 80% loan-to-value (LTV). The interest rate adjusts semi-annually based on the Prime Rate. The interest rate applied cannot increase or decrease more than 2.50% at each potential adjustment. The minimum APR is 4.00% and the maximum rate can never exceed 18.00%. The minimum HELOC loan amount is $10,000 and the minimum advance amount is $500. Monthly payment may vary. HELOCs have a five-year advance period with up to a fifteen-year repayment term.