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Home Equity Loans

Turn the value of your home into financial power with Energy CU's Home Equity Loans. Whether you're dreaming of home improvements, education expenses, or debt consolidation, we're here to make your aspirations a reality.

Access the equity you've built in your home to fund major expenses and achieve your financial goals. Benefit from competitive interest rates that make our Home Equity Loans an affordable financing option. Use the funds for various purposes, such as home renovations, education, or consolidating high-interest debts – the choice is yours.

  • Fixed monthly payments
  • Fixed interest rate
  • Terms up to 20 years
  • Finance college tuition, home improvements and other large expenses
  • Consolidate bills
  • No closing costs; we pay appraisal fee (Fees subject to change without notice; Certain conditions apply)


Fixed Home Equity

Effective: January 17, 2024

Fixed Home Equity
TermAPR 1 starting at
10 years6.625% 2
15 years7.000%
20 years7.500%
  • (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. Payments are $10.67 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.

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