Your Home Has Even More to Offer
The equity you’ve built in your home can open the door to what’s next. With an HRCU Home Equity Line of Credit (HELOC), you can enjoy flexible, revolving access to funds with rates as low as 3.19% APR* during our 12-month introductory special.
With generous borrowing power, a 5-year draw period, extended repayment, and versatile use, a HELOC gives you the flexibility to borrow when you need it – whether you’re tackling a home project, managing a major expense, or making plans for the future.
Turn the equity you’ve built into possibilities with an HRCU HELOC.
Equal Housing Opportunity. Federally insured by NCUA.
*APR (Annual Percentage Rate). Rate current as of 10/1/26. Rates and terms are subject to change without notice. Home Equity Lines of Credit (HELOCs) feature a variable interest rate and are limited to an 80% loan-to-value (LTV). The promotional interest rate is valid for the first twelve months from the date the HELOC is opened. After the introductory period, the rate adjusts semi-annually based on the Prime Rate. The rate applied can increase or decrease no more than 2.50% at each potential adjustment. The minimum APR is 4.00% and the maximum APR can never exceed 18.00%. The minimum HELOC amount is $10,000, and the minimum advance is $500. Monthly payments may vary. HELOCs include a five-year advance period with up to a fifteen-year repayment term. The interest rate applied may be higher based on factors such as credit score and debt ratio. HRCU makes all final determinations regarding the applicable interest rate. See the Credit & Security Agreements available at HRCU for complete details.