Unleash Your Home's Potential

Whether you’re looking to remodel your kitchen or consolidate debt, a Home Equity Line of Credit (HELOC) gives you easy access to the equity that you’ve built into your home. It provides flexbility since funds can be used whenever the needs arises in a variety of ways, such as: home projects, consolidating high-rate debt, college expenses, and much more. Get started below or call the Member Service Center at 800-552-6328.

  • Great interest rates
  • No annual fees
  • Access your acount 24/7 with Online & Mobile Banking 
  • Easy access to funds with free Home Equity checks


APR as low as


Fixed Rate HELOC


Apply Now


* APR= Annual Percentage Rate. This is a fixed rate as of February 07, 2024 and is the best rate available to OHecu members with Tier A+ or better credit; and is based on an 80% loan to value, owner occupied principal residence. Loan fees and closing costs, which generally total between $150 and $400, are waived. If OHecu pays these fees on your behalf and you close your Home Equity Line of Credit within the first three years of opening, you agree to reimburse OHecu these fees. Initial $10,000 draw required upon account opening. Rates subject to change without notice. All loans subject to approved credit. Other competitive rates and terms available.