Home Equity

Upgrade your home.
Or your life.

Do something big with the equity in your home.

Got plans?

We’ll help you get started. With our home equity financing options, you can unlock the value in your home to access affordable funds for home improvements, big purchases, and so much more.

Redo your kitchen or bath

Take a vacation

Build an addition

Make energy-efficient upgrades

Pay tuition

Consolidate debt and more

You’ve got options.

Save upfront with a low fixed rate for 12 months.

Need to pay for multiple expenses over time? This special line of credit can help lower your payments early on with a special introductory rate.

Overview

  • Introductory Fixed-Rate as low as 4.990%  APR for the first year* followed by a variable rate as low as 6.750%
  • No application fees
  • Minimum loan amount is $1,000
  • Borrow up to 80% of the equity in your home
  • Only pay interest on what you borrow

Get started today.

Apply Now

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Cash when you need it, affordably.

Enjoy a great rate and more purchasing power with this flexible line of credit. Borrow funds as needed, up to your approved limit, at any time during your draw period.

Overview

  • No application fees
  • Borrow up to 80% of the equity in your home
  • Only pay interest on what you borrow

Get started today.

Apply Now

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The funds you need, all at once.

Keep it simple by borrowing a set dollar amount and making fixed monthly payments. Choose a term that works for you and enjoy a great low rate.

Overview

  • Available in terms of five, 10, 15, or 20 years
  • No application fees
  • Borrow up to 95% of the equity in your home
  • Predictable monthly payments for the life of the loan

Get started today.

Apply Now

View Rates

* APR is Annual Percentage Rate. APR noted applies to combined loan to value less than 80%. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. After the introductory period, the Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) plus a margin. After the introductory period the rate will be set to Prime; maximum APR will not exceed 18.00% or be less than 6.250%. Minimum $35,000 draw required at closing and must be maintained for 180 days to receive Promo rate. Consult your tax advisor regarding the deductibility of interest. To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $100.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. You will pay all fees related to this review and recording. Appraisal fees are generally between $350-$850 depending on property and appraisal type. Legal fees generally total between $0 and $500. Minimum line amount $35,000. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice.

** APR is Annual Percentage Rate. APR noted applies to combined loan to value less than 80%. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. Annual Percentage Rate (APR) will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 6.250%. Current Prime Rate available on the Wall Street Journal. Consult your tax advisor regarding the deductibility of interest. To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $100.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. You will pay all fees related to this review and recording. Appraisal fees are generally between $350-$850 depending on property and appraisal type. Legal fees generally total between $0 and $500. Minimum line amount $35,000. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice.

*** APR is Annual Percentage Rate. APR noted applies to combined loan to value less than 80%. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. Consult your tax advisor regarding the deductibility of interest. The following fees apply: Application fee: $0; Points 0.00%. Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. You will pay all fees related to this review and recording. Appraisal fees are generally between $350-$850 depending on property and appraisal type. Legal fees generally total between $0 and $500. Minimum loan amount $35,000. Payment does not include taxes and insurance premiums and is not applicable to this program. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice.

Let’s put your plans in motion.

Apply today or connect with our mortgage team to learn more.

More for your money.