More Space to Soar 

Whether you’re looking to remodel your kitchen or consolidate debt, OHecu can help you tap into the equity you’ve built into your home with a Home Equity Line of Credit (HELOC). A HELOC gives you easy access to the equity that you’ve built into your home—these funds can be used at your discretion and whenever the need arises.

Quite often, HELOC’s are a more cost-effective way to pay for large expenses rather than using a credit card or personal loan, which usually have a higher interest rate. And that’s not all, a HELOC doesn’t only have to be used for home improvements or projects. There’s a number of ways you can use your HELOC, including:

Fixed Rate HELOC

  • Easy Access to Home Equity Line of Credit Funds
  • $10,000 Initial Draw
  • No application fee, no points, no closing costs**
  • Your rate stays the same even when market rates increase
  • Free Home Equity Checks
  • Payments Made Easy: Automatic Loan Payments

To apply, call the Member Service Center at 800-552-6328 or click below to get started.

NMLS: #412096

** 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.

Variable Rate HELOC

  • Rates as low as 3.25% APR*
  • Easy Access to Home Equity Line of Credit Funds
  • No Minimum Initial Draw
  • No application fee, no points, no closing costs**
  • Interest paid on your OHecu Home Equity Line of Credit may be tax deductible – contact a tax advisor for verification
  • Free Home Equity Checks
  • Payments Made Easy: Automatic Loan Payments

To apply, call the Member Service Center at 800-552-6328 or click below to get started.

NMLS: #412096

* APR= Annual Percentage Rate. This is a variable rate as of March 09, 2020 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. Offer is subject to change without notice.

** 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.

Home Equity Loan Refinancing

If you already have a Home Equity Line of Credit financed at another bank or credit union, refinance with OHecu to save on interest and possibly even lower your current monthly payment.*

To apply, call the Member Service Center at 800-552-6328 or click below to get started.

NMLS: #412096

* 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.