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

  • Low 2.490% fixed introductory APR for the first year*
  • No closing costs or application fees
  • Minimum loan amount is $1,000
  • Borrow up to 90% 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 closing costs
  • No application fees
  • Borrow up to 90% 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 closing costs or 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. Home Equity Line of Credit (HELOC) rate indicated requires automatic payment from an Alltrust Credit Union checking account. Introductory APR is for the first 12 months, thereafter APR will resort to Prime minus 0.25%. APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 3.25%. Current Prime Rate available on the Wall Street Journal. Real Estate Taxes and Property insurance is required. Flood insurance where required by law. 1-4 family primary residence, second home, or investment occupancy. Loan-to-value of 80-90% requires Alltrust Credit Union in first position on an eligible 1–2-unit owner occupied or second home detached property, condominium, or townhouse. Consult your tax advisor regarding the deductibility of interest. Other terms and conditions and restrictions apply. Subject to credit approval. 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 $50.00; 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; if the loan amount is greater than $250,000 and in first position, the Borrower will be required to pay for Title Insurance Policy, Municipal Lien Certificate, and Survey Deletion Letter. Third party fees for Power of Attorney, Revocable Trust, or other legal documents must be paid by the member. Fees generally total between $0.00 and $500.00. Term subject to change without notice.

**APR is Annual Percentage Rate. Real estate taxes and property insurance is required. Flood insurance where required by law. 1-4 family primary residence, second home, or investment occupancy. Combined Loan-to-value of great than 80% requires Alltrust Credit Union in first position. Loan to Value 90-95% 1–2-unit owner occupied purchase or rate term refinance only. Consult your tax advisor regarding the deductibility of interest. Other terms and conditions and restrictions apply. Subject to credit approval. If the loan amount is greater than $250,000 and in first position, the Borrower will be required to pay for Title Insurance Policy, Municipal Lien Certificate, and Survey Deletion Letter. Third party fees for Power of Attorney, Revocable Trust, or other legal documents must be paid by the member. Fees generally total between $0.00 and $500.00. Term 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.