Discover all of your choices with a HELOC

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. With an OHecu Home Equity Line of Credit, there are no up-front costs to apply, no points to pay and no closing costs when you maintain the Home Equity Line of Credit for at least 3 years.**

OHecu offers two low-rate HELOC options to help fit you and your budget. Already have a HELOC with another bank or credit union but want to refinance to OHecu's lower rates? No problem!

We also provide HELOC refinancing to help you save on interest and possibly even lower your current monthly payment.

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
  • See Current Rates

Ready to get started? You can apply online by clicking the link below, stopping into your local OHecu branch or calling the Member Service Center at 800-552-6328.

APPLY NOW

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

  • 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
  • See Current Rates

Ready to get started? You can apply online by clicking the link below, stopping into your local OHecu branch or calling the Member Service Center at 800-552-6328.

APPLY NOW

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 cost, 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.

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 your monthly payments. View our current rates here.

Ready to get started? You can apply online by clicking the link below, stopping into your local OHecu branch or calling the Member Service Center at 800-552-6328.

APPLY NOW

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.