Home Equity Loans

Home Equity Loans & Lines of Credit

Unlock the power of your home’s equity with two flexible and affordable borrowing options from LOYALTY Credit Union. Whether you need funds for home improvements, education, or life’s big moments, our Home Equity Loan and Home Equity Line of Credit (HELOC) provide smart financial solutions to help you achieve your goals.

Home Equity Line of Credit (HELOC) – Flexible & Fixed

Unlike traditional HELOCs, ours comes with the security of a FIXED interest rate – giving you the best of both worlds: flexibility and predictability.
✔️ FIXED rate for the life of the line – No surprises, just steady, reliable payments.
✔️ Access funds as needed – Borrow what you need, when you need it.
✔️ We cover up to $1,000 in closing costs (for a primary residence) – Helping you save even more!

Home Equity Loan – Stability & Predictability

For those who prefer a structured repayment plan, our Home Equity Loan offers:
✔️ Fixed interest rate – Your rate never changes, giving you peace of mind.
✔️ Fixed monthly payments – Budget with confidence knowing your payment amount stays the same.
✔️ Lump sum payout – Receive the full loan amount upfront for major expenses like home renovations or debt consolidation.

Both options offer an affordable way to tap into your home’s value while keeping your financial future secure. Not sure which is right for you? Contact us today to explore your options and find the best fit for your needs.

Visit us, or call (850) 474-0970 (option 8).

LOYALTY Credit Union NMLS #729868

We Make Home-Refinancing Dreams a Reality

To get more information about our home equity loan programs, including current rates, call (850) 474-0970 (option 8) or complete the form below.

View Home Equity Disclosures Here.