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Home Equity Line of Credit (HELOC)


Using the equity you have accumulated in your home is a great way to finance major expenses… home improvements, debt consolidation, a much needed vacation or even a new car!

Get the flexibility to use your credit as you need it with our variable rate Home Equity Line of Credit (HELOC) secured by the equity in your home with:

  • Low variable interest rates*
  • Tax-deductible interest - consult your tax advisor**
  • Low monthly payments based on 1% of the balance
  • Access your line using personalized home equity checks, Internet Banking, or Phone Access

*APR Refers to Annual Percentage Rate. Variable APR is as low as .25% below Wall Street Journal Prime Rate with a minimum APR of 4.50%; current APR as low as 5.25% as of 3/21/2019. The maximum APR that can apply is 18.00%. Prime Rate is the highest Prime Rate reported in the Midwest Edition of the Wall Street Journal on the 25th day (or next business day) of the last month of the quarter, to be effective on the first day of the new quarter. Your rate will be based on your credit profile. Combined loan-to-value up to 90%. Rates apply to new lines only and may not apply to existing HELOC accounts. Rates, terms and conditions are set by the Board of Directors and are subject to change without notice. An origination fee of $299.00 will be collected at the time of application.  **ACCU wants you to make an informed decision and suggests that you visit the IRS website at and/or check with your tax advisor concerning your tax credit qualifications. †Payment is 1% of balance rounded to the next highest $100.

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