Make Your Home Equity Work This Fall
Whether you're planning a renovation, consolidating debt, paying for education, or preparing for the unexpected, Energy Credit Union gives you flexible ways to access the value in your home.
Choose the HELOC That Fits Your Needs
HELOC
PRIME − 1.00%
- Pay interest only on what you use
- 15 year drawing period
- 5 year repayment period
- Convenient access to your funds
- Borrow up to 80% of your home's equity
New HELOC
PRIME − 0.75%
- Pay interest only on what you use
- 10 year drawing period
- 10 year repayment period
- Convenient access to your funds
- Borrow up to 80% of your home's equity
Need a Fixed Payment?
Our Fixed Home Equity Loan provides a fixed rate, fixed term and predictable monthly payments - ideal for a specific project or one-time expense.
Your Home. Your Equity. Your Choice.
Use your home's equity for home improvements, major purchases, debt consolidation and more.
Explore Your Home Equity Options Today!
Rates
Home Equity Line of Credit
Effective: September 17, 2026
- (1) Annual Percentage Rate.
- (2) The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal prime rate minus 1.00%, subject to a minimum rate of 2.25% and a maximum rate of 18% or the maximum rate permitted by law, whichever is less. Prime as of 9/17/2026 was 7.00%. This APR is available for new home equity lines only. Line must be secured by a 1-4 family home or condo. Primary residences only. The maximum loan to value is 80%. Rates are subject to change. Property insurance will be required. Subject to credit approval.
- (3) The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal prime rate minus 0.75%, subject to a minimum rate of 4.00% and a maximum rate of 18% or the maximum rate permitted by law, whichever is less. Prime as of 9/17/2026 was 7.00%. This APR is available for new home equity lines only. Line must be secured by a 1-4 family home or condo. Primary residences only. The maximum loan to value is 80%. Rates are subject to change. Property insurance will be required. Subject to credit approval.
Fixed Home Equity
Effective: September 22, 2026
- (1) Annual Percentage Rate.
- (2) APR is calculated based on a loan amount of $100,000 for a term of 10 years or 120 months at 5.750%, payments are $10.98 monthly per $1,000 borrowed. Loan amount of $100,000 for a term of 15 years or 180 months at 6.250%, payments are $8.57 monthly per $1,000 borrowed. Loan amount of $100,000 for a term of 20 years or 240 months at 6.875%, payments are $7.68 monthly per $1,000 borrowed. Owner occupied condos and single-family primary residences only. Payment doesn't include taxes, insurance, or HOA fees. The actual payment obligation will be greater. Other terms and restrictions apply. Subject to credit approval.
Latest From Our Blog
Payclipper Loan Program Update
Just over a month ago, Energy Credit Union proudly launched the Payclipper Home Upgrade Loan Program, and in that short time, we’ve already seen remarkable engagement from our members.
Home Improvements on the Rise - and So Are Costs
If you're planning a home improvement project this year—whether it's upgrading your heating and cooling system, remodeling your kitchen or bath, or even just tackling long-overdue repairs—you may want to act sooner rather than later.
Savings Tips for College Students
College students need all the help they need when it comes to saving money. Who better to advise them than the pros at online tax preparation software company TaxSlayer.com?
Is it Possible to Buy a House with Bad Credit?
Lenders want to know that you can pay the monthly payments, plus interest and insurance. If you can show proof of debt management and affordability, you’ll have a far better chance of getting authorized, even if you have a bad credit score.