Home equity lines are one of the most common ways of financing new projects. Your home equity serves as collateral for a revolving credit line, which you can borrow against as needed (up to your available credit limit) and pay back over time. This option is ideal for members who have ongoing expenses to cover, as opposed to one large purchase amount.

Home equity loans serve the same purpose as a line of credit, but are "closed end" - they allow you to borrow one lump sum against the equity in your home, and make regular payments over time. If you have an expense or purchase in mind and need a specific amount, this option may meet your needs better than a revolving credit line.

Both members and non-members can apply for home equity lines/loans online with our easy-to-use online application system. You're also welcome to use our printable application packet and bring it by any of our locations to get started.


Our printable applications are in PDF format and can either be completed by hand or on-screen. If you fill out the packet using your computer, please print it out, sign, and return it - we currently require a physical signature in order to process your application.