Dad and little boy playing in wheel barrow with water hose in garden.

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 7.99% 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
7.99% APR months 1 - 36 $70.24 $175.59 $351.19
7.99% APR months 37 - 156 $139.74 $349.35 $698.70
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. This is a fixed-rate loan, and the APR is not based on an index. Rate will be determined based on individual creditworthiness. Discounts may apply when appropriate. Rates are subject to change based on market conditions and borrower eligibility. Repayment terms of 10-years available for fixed portions. Line of credit has a 3-year draw period with a maximum of 10-year repayment period. Home Equity Line of Credit base rate with A+ credit is 7.99% APR, which includes a discount for first lien position. Potential line of credit must be a minimum of $10,000 with a maximum amount of $100,000. 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. Interest-only payments are based on the amount borrowed. Interest begins to accrue on the day an advance is made.

Payment Example: 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 7.99%, with A+ credit and including applicable discounts such as first lien position. During that period, you would make 36 payments of $70.24 followed by 120 payments of $139.74. This example is an estimate and includes our best monthly payment. Payment example also includes monthly premiums for Debt Protection with Single Life Plus, Disability, and Involuntary Unemployment. Your purchase of Debt Protection 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. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fees paid.

Rates accurate as of 03/01/2024.

Infuze CU membership required. Infuze CU will pay closing costs associated with a HELOC 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. No annual fee. The following parameters exclude members from this offer 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. Restrictions, other terms, and conditions apply. Please see credit union for details. Member must submit an application for underwriting criteria. Refer to the Member Agreement for a full explanation of terms and conditions. Offer subject to change or may expire without notice. Federally Insured by NCUA.





























Buy, build, or refinance

No matter your commercial real estate goals, we've got you covered with flexible options.


Commercial Real Estate
Corporate building park