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Home Equity Loans

There's money in your house. Use it!


Need a loan for your home improvement project? The equity in your home – which is roughly the amount it’s worth minus the amount you owe on it – can serve as a powerful financial tool. We finance up to 100% of your home’s value, less what you owe, saving you a bundle on your next project. View Brochure




Home Equity Line of Credit

Our variable rate HELOC is a secured loan. You can choose between taking a large sum all at once or accessing money as you need it. This makes it a good choice for remodeling your home, paying for college tuition, and serving as a source of emergency funds.

Home Equity Limited Draw Line of Credit

This fixed rate secured loan provides a lump sum amount with regular monthly payments. This is a good choice for consolidating your debts, purchasing big ticket items, or taking that dream vacation.

Low Interest Rates & Fees

Home Equity Loans are typically more affordable than other funding options because of their interest rates and fees.

Up to 100% Loan to Value

Get a larger loan worth up to 100% of your home's equity. If you choose to sell your home, you'll need to pay off the loan balance before the sale can go through.

And More...

Receive Funds in a Lump Sum

Get all the money you need, right when you need it

With a Home Equity Loan, you can choose the distribution that works best for you. If you need money now, you can opt to get all your funds at once in a lump sum to make purchases right away. Or, with a Home Equity Line of Credit, you also have the option to access funds as you need them. It's up to you!

LTV up to 100%

Get the most out of your home's equity

Don't leave even a penny behind. Get a Home Equity Loan with a loan-to-value ratio up to 100%, less any current mortgages or liens. Minimum loan $10,000.

As low as APR*

Loan Payment Example: A $20,000 fixed rate home equity loan at 9.5% APR* for a 240 month term would have a $186.43 monthly payment.
Loan Calculators

What Works Best For You?

We offer a variety of financial calculators to assist you in planning for your Home Equity Loan and any other financial needs. Calculate payments, review terms, and decide what fits best for your budget in just a few clicks. Please note that these results are approximate and are intended for your information only; they are not an endorsement or offering. The accuracy of the results is not guaranteed by this institution and is only meant to be an approximate guideline.

I had an unexpected expense pop up and went into my local branch and asked on a whim if they could help me, and within 2 hours the loan was approved, signed, sealed and in my checking account. Thank you to all of Fibre’s employees for going out of their way to help when it really counted!

— Tara T.

Why Choose Us?

We’re kind of like a family, only we’re a credit union

A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.

Better rates + low fees = happy members

When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.

In person, virtual, or online

We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!

Your home is our home, so we like to keep it nice

We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.

How it works

Tapping into your home's equity to cover expenses is a benefit of home ownership. Just follow these easy steps:

  • 1

    Complete an application

    It takes only minutes to fill out the online application.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Consolidate your debt

    Use the funds to consolidate your bills, start your home improvement project, or cover other expenses.

Home Equity Loan

What's on your to-do list?

Get the funds you need to put your plans into action with a low interest Home Equity Loan.

  • *Annual Percentage Rates effective June 13, 2024 and subject to change without notice.

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