5-Year or 7-Year HELOC Fixed Loan


5- or 7-Year HELOC Fixed Loan

Flexible loan amount at a fixed rate.

This loan takes the best of our products, home equity loan and home equity line of credit, and puts them into one. The first one or two years of the loan is the draw period. During the draw period, you can advance money as you need it up to the approved loan amount. After the draw period, the borrower has five to seven years to pay the remaining balance at a fixed rate and term.

Benefits and Features

  • Loans start at $10,000 
  • Low fixed interest rates 
  • No closing cost on loans over $10,000¹
  • Up to 100% financing
  • Two term options available to fit your budget  
  • 5 year loan has a 1 year draw period 
  • 7 year loan has a 2 year draw period
  • Make payments online or at any FCU location

Get Started Today!

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Home Equity Loan and Line of Credit Calculators


Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions is also available at this Web site.

The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific credit union accounts, loans or other products or services and may not exactly match the calculation methods used by the credit union (or any third party) for accounts, loans or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.