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Home Equity Line of Credit (HELOC)

Put your home to work for you with a HELOC.

A HELOC is a Home Equity Line of Credit, a loan that turns the equity in your home into a line of credit that you can access whenever you need it.
You can make home improvements, consolidate debt, and more by putting your home to work for you. Don’t just dream about what you could do - write it out and get it done!

Pay $0 closing costs with flexible payment options!

  • Fixed-Rate HELOC with rates starting at 7.49% APR*
  • Convenient borrowing with a minimum line of credit starting at $10,000
  • Enjoy a 3-year draw period that allows you to handle whatever life throws at you

Payment Examples Amount Borrowed
Interest-Only Payment First Three Years $10,000 $25,000 $50,000
7.49% APR months 1 - 36 $63.65 $159.12 $218.24
7.49% APR months 37 - 156 $125.48 $313.69 $627.38
Payment examples include optional Debt Protection. In the case of unplanned events such as death, disability, or involuntary unemployment, our debt protection program may cancel your loan balance or monthly loan payments without penalty or added interest*.
*APR = Annual Percentage Rate. Rate will be determined based on individual creditworthiness. Some discounts may apply when appropriate. Base rate with A+ credit is 7.99% APR. Displayed rate of 7.49% APR includes a 1% rate discount for a first lien position. The maximum discount is 1%. Infuze CU membership required. Offer subject to change or may expire without notice. Potential line of credit must be a minimum of $10,000; your payment during the repayment period will never be less than the smaller of $50.00 or the full amount that you owe. The minimum credit advance that you can receive is $100. Infuze CU will pay closing costs associated with an equity line of credit which includes: appraisal, credit report, flood certification, settlement/closing, property ownership, and encumbrances search, recording, and property search. Property insurance is required and not included in closing costs. Restrictions, other terms and conditions apply; visit, call or visit a branch for details. Maximum loan amount $100,000. No annual fee. Interest only payments are based on the amount borrowed. Finance charges begin to accrue on the day an advance is made. The following parameters exclude members from this promotion if they have any of the following: less than a 620 FICO score; previous bankruptcy in last 24 months; delinquent 30+ days on any Infuze loan within last 12 months; HELOCs funded under the $0 closing cost promotion in the last 12 months; no manufactured, mobile, or modular homes; and home value has land of 50+ acres. Member must submit an application for underwriting criteria.
Fixed Rate Loan: The APR is not based on an index. These rates will be specified at closing and will be based upon the market conditions at that time. Repayment terms of 10-years available for fixed portions. As of 03/01/2023, the fixed rate is as low as 7.49% APR. Line of credit has a 3-year draw period with a maximum of 10-year repayment period. If you made only the minimum monthly payment and took no other credit advances, it would take 13 years to pay off a credit advance of $10,000 at an APR of 7.49%. During that period, you would make 36 payments of $63.65 followed by 120 payments of $125.48. Payment also includes monthly premium for Single Life Plus. Your purchase of Debt Protection with Single Life Plus and Involuntary Unemployment is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Single Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid. Refer to the Member Agreement for a full explanation of terms and conditions. Federally Insured by NCUA.