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.
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
- Home Equity Loan note rate as low as 6.00% for 15 years*
- Note rate fixed for the first 5 years an then adjusts every 6 months
- Available in terms of 5, 10, or 15 years
- Easy application process
- No application fees
- No closing costs
- Borrow up to 80% of the equity in your home
- Available on 1-4 unit owner occupied properties
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
- Home Equity Line of Credit as low as 5.99% APR for the first 12-months*
- After the first 12 months, the rate will adjust to Prime minus 0.75%*
- No application fees
- No closing costs
- Easy application process
- Borrow up to 80% of the equity in your home
- Available on 1-4 unit owner occupied properties
- Flexibility to borrow as needed, up to your approved limit, to pay for multiple expenses over time – and only pay interest on what you borrow
* Note rate is is accurate as of 02/07/2025 and requires auto pay from an Alltrust Credit Union checking account. Annual Percentage Rate (APR) on note rate reflected is 6.53% based on a loan amount of $35,000 with a combined loan to value up to 80%. Rate is fixed for the first 5 years at $19.24 per $1,000 borrowed then adjusts every 6 months to the 30-day average SOFR index plus 3.00%. 180-month term. Minimum 740 or greater FICO score required. Maximum 45% debt to income ratio. Payment does not include taxes and insurance premiums therefore payment obligation will be greater. Real Estate Taxes and Property insurance is required. Flood insurance where required by law. Borrower responsible for real estate taxes and property insurance. All loans are subject to credit approval. Rates may change at any time without notice.
** APR is annual percentage rate and is accurate as 02/07/2025. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. APR noted applies to combined loan to value less than 80%. After the introductory period, the APR may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) minus 0.75%; maximum APR will not exceed 18.00% or be less than 4.00%. Minimum line amount $35,000, and minimum $35,000 draw required at closing and must be maintained for 180 days to receive introductory period 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 between $350-$850 may be required depending on comparison of estimated market value to actual market value. Legal fees generally total between $0 and $500. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice. Rates may change at any time without notice.
Let’s put your plans in motion.
Apply today or connect with one of our branch managers of assistant branch managers.