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Home Equity Loans & Lines of Credit
Apply Now View Rates
Home Improvements

Say hello to your home office or dream kitchen!

Debt Consolidation

Get rid of those high interest rates!

Big Purchases

Enjoy life’s significant moments like college or a wedding.

Emergency Expenses
Relax, you have access to the funds you need.

Home Equity

Take advantage of today’s historically low interest rates and reclaim the equity in your home for other smart investments.

Use the cash for anything you and your family need.

You may enjoy flexible terms, the possibility of borrowing up to 100% of your home’s value, and a quick decision with no closing costs.*

Our Home Equity Options

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Fixed-Rate Home Equity Loan

Borrow what you need based on the value of your home's equity.

  • May be tax deductible (consult your tax advisor).
  • Good for large, expensive projects where a lump sum is necessary.
  • Fixed interest rate and payments for the term of the loan.
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Home Equity Line Of Credit

Borrow what you need, when you need it instead of taking the whole amount at once.

  • Draw as little as $300 or as much as your available credit line.
  • Make payments only on the amount you’ve drawn.
  • Get variable rates and payments.

Frequently Asked Questions

More questions? We want to make sure you have the answers you need!

Call 800-666-8811 and press option 4, complete our contact form, or visit one of our retail center locations today.

Home equity is the difference between the appraised value of your home and the amount you still owe on your mortgage.

Borrowing against home equity gives you cash on hand to pay for things that matter most, whether it’s a planned home remodel or an emergency need. There are two primary options: a fixed-rate home equity loan, or a home equity line of credit.

Your home equity builds over time, but there are a few ways you might be able to build it a little faster:

- Make extra mortgage payments: If you can afford to make higher mortgage payments than your minimum or even make an extra payment each year, you will knock off money from your loan's principal!

- Home improvements: Making home renovations can increase your value as well. This can be anything from renovating your kitchen to updating your windows to adding new flooring. The list goes on! Some home improvements make a bigger impact than others, so be sure to do your research first!

Getting a home equity line of credit can be a great solution for home renovations, college, debt consolidation, and other significant purchases. If you have questions, please contact our team.

A second mortgage can be a great option for a fixer-upper or to increase the value of your home. If you have questions, please contact our team.


Ways to Verify Home and Auto Insurance:
  • ​Call: 1-800-653-8812
  • Online: myinsuranceinfo.com
  • Mail: Member One FCU, Control #4198, PO Box 4266, Carmel, IN 46082

We currently only lend in the state of Virginia.

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What are you waiting for?

Now is the time to tap into your home equity! Check out our current rates and apply easily online today.