Home Equity Loans

Found money

Fund what you need with low rates and flexible terms.

Use the equity in your home to make home improvements, purchase a vehicle, consolidate your debt, or take a vacation. Plus, the interest may be tax deductible. (But remember, we aren’t tax advisors, so you should consult yours.)

Apply for a Home Equity Loan Check Loan Status

Save $150 on a Home Equity Line of Credit
Home Equity Line of Credit

Do you have backyard envy? Or looking to start that remodeling project?  Or just want to consolidate debt? Discover the hidden value in your home with a home equity line of credit.  Get access to your fund when you need them for any reason. Read the full disclosures here.

Home Equity Loans
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Open a home equity line of credit (HELOC) and you can use the equity in your home for a loan. Just another option for your needs.

  • If you have an existing line, we may be able to increase it!
  • No annual or service fees! (May not apply to closing costs)
  • Access via check, in any of our offices, or via online banking
  • Current Prime Rate: 5.50%
  • Up to 100% LTV financing available
3-Month Quarterly Adjustable
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5-Year Adjustable
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  • Rate locked in for five years; adjustable rate based on Prime after
  • Rates as low as 6.00% APR*
  • See what your rate would be. (Choose Rates & Services, then Check Rates)
The Fine Print
Fine Print

* APR=Annual Percentage Rate. APR may vary. For qualified borrowers only. Rates shown are for up to 70% TLTV for borrowers with 700+ credit score. The maximum interest rate of 18% may be imposed in a variable-rate plan. Finance charges of $150 may be imposed. Closing costs could range from $150-$350. Manufactured homes and vacant land qualify for 80% financing. All other traditional homes may qualify for 100% financing. Certain exceptions may apply. Rates current as of 3/15/19. Last changed on 12/21/18.

View our disclosures and service fees.
Transfer funds to/from your Royal Credit Union account to/from your other financial institution - Direct Payment Authorization