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Home Equity Loans & Line of Credit

Making your home work for you.

When you’re planning a home remodel, a Home Equity Loan or Home Equity Line of Credit (HELOC) is often your best borrowing choice. Use your home's equity—your home's value less any outstanding home loans/mortgages—to borrow for any purpose, such as:

  • Home improvements
  • Education expenses
  • Medical expenses
  • Consolidate bills into one low payment
  • Refinance mortgage

Home Equity Loan vs. Home Equity Line of Credit

Choose a Home Equity Loan for home repairs and much more. This option gives you a lump sum to use, which is paid back in installments over a certain amount of time.

Choose a HELOC as a flexible source to finance home repairs and upgrades. A line of credit allows you the ability to draw money whenever you need for a period of time. You only pay interest on the amount you borrow.

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The Versatility of a HELOC

Go ahead, renovate that kitchen. Add a second bathroom. Turn your extra garage space into a home office. Whatever you’re looking to do, one of the best ways to put money into your home is to use the money you get out of it. With a Home Equity Line of Credit, you can borrow against your home’s value to fund any number of improvement projects — and at a low interest rate.

Looking to lock in the current regular rate for your HELOC? Ask our Member Service Center for more information.

Benefits of a HELOC

  • No closing costs1
  • Lower rates and payments
  • No annual fees

Four Ways to Access Your HELOC Loan:

  • Online Banking transfer
  • Automated Account Access transfer
  • Write a check
  • In person at any of our convenient branch locations


Term APR
Locked for 12 months 1.49%2
Regular Rate 3.99%

Rates listed above are for up to a 70% LTV. We also offer additional introductory terms with higher LTVs. If you have an existing Landmark Home Equity Line of Credit and are interested in modifying your rate, please visit this page. For rates and more information on this product please contact us.

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Home Equity Loan

Borrow a set amount of money to be paid back in equal payments for up to 20 years. Popular terms are 3, 5, 10 or 20 years. Choose the term that best fits your needs.

Benefits of a Home Equity Loan:

  • No closing costs
  • Low fixed rates and payments
  • No annual fees

Consider a Home Equity Loan to:

  • Pay for home improvements
  • Consolidate high-interest debt
  • Pay off medical expenses
  • Pay education expenses

Home Equity Loan Rates3

Term APR Pmt/$1,0004
Up to 60 months 3.74% $18.30
84 4.24% $13.78
120 4.49% $10.36
180 5.54% $8.20
240 6.65% $7.55

Rates listed above are for up to a 80% LTV. We also offer a separate 90%-100% LTV home equity loan. For rates and more information on this product please contact us.

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Still not sure which option is right for you?

Contact Us

1 Rates and terms subject to change at any time and without notice. No closing costs or application fees if: (i) Loan-to-Value (LTV) ratio is less than or equal to 90%; (ii) balance/limit is $10,000 - $250,000; and (iii) home is a single family residence and owner occupied. Fees will apply if these terms are not met. Additional loan programs may be available. Homeowner’s insurance required. Early termination fee applies.

2 1.49% APR available on loans for owner-occupied primary residences with loans up to 70% Loan-to-Value (LTV) and credit scores of 680 or higher. Other restrictions may apply. Rate is variable. Rate is locked for 12 months, then set at Prime (recently 3.25%) minus 0.50 percentage points, or 3.99% APR, whichever is higher. Rate is subject to change after 12 months from closing date, and thereafter on the first business day following any change in the Prime Rate as published in the Wall Street Journal. Additional introductory rates and loan programs may be available. Interest-only payments are available for the first 10 years from the date the HELOC was opened; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20%. Minimum credit line is $10,000. Homeowner’s insurance required. Early termination fee applies. Landmark HELOCs may be modified for an $89 fee, additional qualifying criteria and restrictions may apply.

3 Fixed rates are available for owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Additional rates and terms are available. Minimum loan amounts apply. To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 5-year 3.74% loan for $150,000 would be: 150 x $18.30 = $2,745 per month. Actual payments will be higher with taxes and insurance. Consumer loan rates based upon qualified credit. Loans and rates are subject to credit approval. All rates and terms are subject to change without notice. Excludes Landmark refinances.

4 Payment factor does not include Credit Protection coverage. Credit Protection coverage is not offered on real estate secured loans.

Routing Number: 275079714
NCUA Equal Opportunity Housing
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