Turn Your House Into a Hero
You don’t need a miracle. You just need the hidden superpower your home already has.
Your home isn’t just siding and shingles. It’s value you’ve already earned. And it may be able to go to work for your budget.
A Home Equity Line of Credit (HELOC) lets you tap into that value and use it when you need it, especially if you’re managing high-interest credit card debt.
What Is a HELOC?
Think of a HELOC like a credit card your house powers, but typically with a much lower interest rate.
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Use the funds when you need them
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Pay it down
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Use it again
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As you repay, your available balance opens back up
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Why Members Use a HELOC for Debt Relief
Credit card rates are often 20 to 25 percent or more. Many households carry thousands in revolving debt, making it difficult to get ahead.
Lower Your Interest
Move high-rate credit card balances to a lower-rate line of credit.
Simplify Your Budget
Combine multiple payments into one.
Pay Debt Off Faster
With a lower rate, more of your payment goes toward principal instead of interest.
Lower Interest. Lower Payments. Lower Stress.
How it Works:
Step 1.
Apply and get approved for a credit line based on your home’s equity.
Step 2.
Access funds as needed during the draw period.
Step 3.
Reuse funds as you repay the balance.
More Than a Home Project Loan
Many people think of a HELOC for renovations, but it can also be a powerful debt management tool.
A HELOC may be a good fit if you:
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Own a home
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Have built equity
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Are carrying high-interest credit card balances
Because your home is used as collateral, it’s important to borrow responsibly. Our lending team can walk you through the numbers and help you decide if this option makes sense for your situation.
Activate Your Home's Superpower
Debt defeated. Stress neutralized.
APR = Annual Percentage Rate. Rate and terms are based on creditworthiness and loan-to-value ratio. HELOCs are secured by your home. Property insurance required. Consult a tax advisor regarding deductibility of interest. Membership eligibility required. Other restrictions may apply.