Unleash Your Home's Potential
Whether you’re ready to remodel your kitchen, consolidate high-interest debt, or make a major purchase, a Home Equity Line of Credit (HELOC) gives you flexible access to the equity you’ve built in your home.
Borrow what you need, when you need it. Similar to a credit card, you can use the funds as needed during the “draw period." And as you repay what you’ve borrowed, those funds become available again—giving you ongoing access to cash for future needs.
Use your HELOC for home improvements, debt consolidation, college tuition, or even unexpected expenses. You’ll enjoy competitive rates, flexible repayment options, and the confidence of borrowing from a financial partner you trust.
Benefits include:
- Competitive interest rates
- No closing costs*
- No annual fees
- 24/7 access through Online & Mobile Banking
- Free Home Equity checks
Get started below or contact our Member Service Center at 800-552-6328 to learn more and see how your home’s equity can help you reach your finacial goals.
*APR=Annual Percentage Rate. Rates are based on an evaluation of credit history. Not all applicants will qualify. The 5.99% APR is available to members with a minimum credit score of 740. The APR you may qualify for will depend on your creditworthiness. Property must be an owner-occupied primary residence. The loan term is fully amortized for 15 years with a three-year initial draw period. The maximum credit line is $199,000 and the minimum initial draw amount is $10,000. The maximum LTV is 80%. 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 the home equity line of credit within the first three years of the loan term, you agree to reimburse these fees to OHecu. The information provided does not constitute a loan commitment. Consult a tax advisor for the deductibility of interest. All rates, offers, and promotions are subject to change without notice. All loans are subject to credit approval. Other conditions may apply. NMLS: #412096
