HELOC Promo

Turn your equity into opportunity.

A low introductory rate can help you put your home’s equity to work for whatever your borrowing needs may be.

2.9% APR* for the first six months on a Home Equity Line of Credit, followed by the prime rate in effect at the end of the six-month introductory period.

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2.9% Intro APR*

Enjoy a ridiculously low introductory rate for the first six months.

No Closing Costs

Keep more money available for the projects, plans, and priorities ahead.

No Annual Fees

Flexible access to funds without an added yearly fee.

Borrow for more than home renovations

A HELOC can help you fund more than repairs and remodels. Use your home’s equity for life’s milestones and adventures — including home renovation, college, travel, and more.

Whether you’re planning improvements around the house or preparing for what’s next, a Home Equity Line of Credit gives you flexible borrowing power backed by the value you’ve built in your home.

Home renovations and repairs
College expenses
Travel and major life experiences
Unexpected expenses
Other important financial goals

HELOC use cases

Why choose HHCU for your HELOC?

With HHCU, you get a flexible borrowing option backed by local support and a team that understands your goals.

Flexible Access

Put your available equity to work when and how you need it.

Local Service Center Support

Our Member Advisors are available at each Service Center to help you take the next step.

Low Intro Rate

Take advantage of a strong introductory offer while planning for what’s next.

Offer Details

*Introductory Annual Percentage Rate (APR) of 2.90% is fixed for the first six (6) months on a Home Equity Line of Credit for new HELOCs only. After the introductory period, all balances convert to a variable APR currently ranging from 6.75% to 7.75% APR as of 4/30/26, based on the Prime Rate as published in The Wall Street Journal plus a margin. The APR may vary monthly and may increase or decrease but will not exceed 18.00% or the highest rate allowable by law. Actual rate offered will depend on creditworthiness, loan-to-value (LTV), lien position, and other factors. Fees may apply. Subject to credit approval. Offer subject to change or discontinuation at any time. Equal Housing Lender.

Ready to put your home equity to work?

Explore your options or contact us to get started.

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