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Home Equity Line of Credit

Your home’s equity is the difference between the value of your home and the amount of your mortgage. Money from a home equity line of credit is available whenever you need it. You can use as little or as much as you need at any given time. It’s a great option if you know you'll need extra money in the future at a moment’s notice. You may want to set up a HELOC as a safety net just in case an unexpected expense comes up. Funds are immediately accessible through Online Banking. You can re-use the funds as your balance is paid. You can draw against the line of credit for 8 years, and interest is only paid on your outstanding balance.

Features Benefits
Generous loan to value financing, depending on qualificationsFlexible
No annual feeSaves money
No pre-payment feesPeace of mind
No escrow is requiredSaves money
Reduced closing costsSaves money
Competitive variable rate Flexible
Pay in full each month or low monthly paymentsSaves money
Loan payments are calculated on 1% of the outstanding balance at the time of the last advanceLow payments
Monthly statementsSecurity
Member’s Choice™ Borrower Security can be added to the loan at any timeFlexible
Access to account information in person, by mail, Telephone Teller and Online BankingConvenient
Apply for home equity loans in person, by mail, or onlineConvenient
The interest may be tax deductible; Consult a tax advisor regarding the deductibility of interestAffordable
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