Power your next project with a home equity line of credit.
- Fixed rates as low as 6.99% APR¹
- Get a a $100 home improvement store gift card to jump‑start your project when you close your HELOC.²
Looking for renovation inspiration? We've got you covered. Dream bigger with a supersized kitchen. Open up your living space with a new porch or patio. Turn that unfinished basement into a family hangout. Or add a bathroom where you've always wanted one. All you need is a house that's worth more than your mortgage loan balance and a few minutes to fill out our online application.
Home Equity Line of Credit (HELOC)
- Fixed interest rates as low as 6.99% APR1
- Apply once and receive a pre-approved credit limit
- Loans can be completed in as few as 10 business days
- Lock in your fixed rate for 10 years
- Use your funds over and over again for up to five years
When you borrow from Capital Credit Union, you pay interest on the unpaid loan balance. There are no penalties for paying off your loan early. Credit Life and Credit Disability Insurance are both offered at a low rate. Home Equity Line of Credit (HELOC) loans can be completed from application to funding in 10 business days or more. If an appraisal needs to be ordered it can increase the process time. NMLS #423050.
1Annual Percentage Rate (APR) is current as of April 1, 2026, and subject to change and credit approval. The rate displayed is a 10-year fixed-rate term and based on top tier credit approval, less first mortgage balance. Annual Percentage Rate of 6.99% available up to 120 months at $11.61 per $1,000 borrowed. Cannot be combined with other discounts. Closing costs may range from $250 - $1,400. Minimum loan amount must be greater than $5,000. Rates may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. 2One gift card per closed HELOC, while supplies last. Gift cards have no cash value. Value of gift card may be taxable income.