Home Equity and Home Equity Line of Credit Loans. We'll pay your closing costs! (subject to certain limits).

We offer the following products to fit your needs:

• Home Equity Loan--Fixed Rate (New longer payback periods).
• Home Equity Line of Credit--Fixed Rate  (New longer draw times and payback periods).
• Home Equity Line of Credit--Variable Rate (New Offering!!) (Prime Rate minus .5% for qualified members).

Not sure how much you'll need to borrow? Don't want to borrow all at once? Want the financial flexibility of a line of credit?

Your interest rate is fixed. You determine when and how much you want to borrow. Our rates are competitive. The process is simple. We'll have you on your way to greater financial flexibility.

Term	Draw Period	Rate	Principal Amount
20 Years	10 Years	6.75%	$60,001--$100,000
15 Years	8 Years	6.25%	$30,001--$60,000
10 Years	5 years	5.75%	$15000--$30,000

Take advantage of low, current interest rates with our new variable rate line.

Term	Draw Period	Rate	Principal Amount
20 Years	10 Years	Prime rate	$60,001--$100,000
15 Years	8 Years	Prime rate	$25,000--$49,999

Prime rate is the rate for members whose credit scores exceed 680. Lower scores subject to a rate of Prime plus .75%.

Rates will reset annually on July 1. No annual reset shall exceed 1.5%. Overall rate will never exceed 10% for life of the loan.

**The accepted collateral for a Home Equity Loan or Line of Credit, must be a residence that is owned and occupied by the member. Mobile homes and double-wides may qualify pending appraisal. Recreational vehicles, time share or other share ownership properties are not accepted as collateral for Home Equity Loans.  Loan will be based on 80% of equity, using walk-through appraisals, only.