Home Equity Loans

A home equity loan can help you get the cash you need for any purpose. Choose a home equity loan to borrow a specific dollar amount or a line of credit to have easy access to funds whenever you need it. Quick loan processing and payout. Call any Branch Manager or Assistant Manager, call our Lending Specialists at (800) 276-8324 or Contact us online for more information or to apply.

Flex Equity Line

This home equity line of credit features a special introductory rate of 3.99% APR for the first 5-months!1 You'll enjoy easy access to your credit line through convenience checks and balance transfers. You'll have the flexibility to use only the amount you need, when you need it.

Special introductory rate.
No closing costs.
No appraisal or title fees.
No application fee.
Credit line from $10,000 to $350,000.
Borrow up to 89.99% loan-to-value (LTV).
10-year draw period with 15-years to repay.
Interest-only payments during draw period.

View disclosure of terms or learn more about home equity lines of credit. (Get Adobe Acrobat Reader)

¹The Annual Percentage Rate (APR) you receive is based on loan requirements and your personal credit profile. Introductory APR is for the first 5-months on new Flex Equity Line loans. After the introductory period, the APR may vary monthly and is based on the Prime Rate as shown in the Wall Street Journal on the last business day of the previous month. On February 28, 2025, the Prime Rate was 7.50%. The APR ranges from Prime Rate to Prime Rate + 1.50%. There is a 10-year draw period with 15-year repayment term. Minimum loan amount is $10,000 and maximum of $350,000. We will lend up to 89.99% of the appraised home value less any first mortgage balance. Property insurance required. Flood insurance may be required. Early termination fee and other loan conditions may apply. Subject to credit approval and underwriting requirements. Offer may change or end without notice.

Fixed Rate Home Equity Loan

With a fixed interest rate and convenient repayment term, you'll enjoy an affordable monthly payment and have peace of mind that it won't go up during the term of your loan.

Fixed interest rate.
Up to 15-year term.
No closing costs.
No appraisal or title fees.
No application fee.
Borrow $5,000 to $350,000.
Borrow up to 89.99% loan-to-value (LTV).

The Annual Percentage Rate (APR) you receive is based on the type of loan you apply for, the loan term, your personal credit profile, and the loan-to-value (LTV) of your home less any 1st mortgage balance. Lowest available loan rates require auto payment from a Tech CU account and e-Statements; add .25% without these services. We will lend up to 89.99% of the appraised home value less any 1st mortgage balance. Minimum loan amount is $5,000 and maximum of $350,000. Property insurance required. Flood insurance may be required. Early termination fee and other loan conditions may apply. Refinancing of current Tech CU home equity term loans requires $5,000 new money. Subject to credit approval and underwriting requirements.

Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is designed to enhance consumer protection and reduce fraud by requiring a nationwide registration system for mortgage loan originators (MLO). Each mortgage loan originator obtains a unique identifier from the National Mortgage Licensing System and Registry (NMLS). This information will allow a consumer apply for a mortgage loan to verify the MLO is properly registered and obtain basic information about the MLO regarding their past history in this area.

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