Home Equity Loan

Your house is more than a roof over you head; it is also a valuable source of funds to improve your LIFE!  Why not capitalize on the equity that is "locked up" in your home to pay for many of life’s pleasures?

Maintaining or improving your home is a wise investment. Redecorating your house with new paint or decorative wallpaper can really spruce it up. Replacing floors and cabinets, and updating appliances not only improves the look of your home, but adds convenience. Plus, when it’s time to sell your home, remodeling efforts can be the key to selling it faster.

OR

When you need to borrow money, it may be in your own backyard.   With a Home Equity Loan, you can obtain the cash you need, when you need it most.

A Home Equity Loan is a great way to finance your home projects and add to the value to your home. Since the interest you pay on a Home Equity loan is usually tax-deductible, this is the next best thing to a no-interest loan.  Please consult a tax advisor regarding the deductibility of interest.

The amount of cash available to you through a Home Equity Loan depends on how much equity you have in your home. We lend 80% of the appraisal minus any outstanding balance on your first mortgage.

Home Equity Loans can finance a variety of needs -- Take that well-deserved vacation, pay for college tuition, buy a New or Used Vehicle, put an addition on to your house, install a pool, or consolidate your bills.

We’ll help you finance all your home improvement projects. Our affordable loan rates and convenient repayment terms will get you started on your home improvement projects today!!

Keep your savings dollars intact and still earn dividends while you use them as collateral for a Share Secured Loan.

Members can use the funds in their Share, Club, or Certificate Accounts as collateral, and the funds in your account are released as the loan is paid down.

This is a great way to go if you have an unexpected bill and you do not want to deplete the funds in your account.