Put Your Home's Equity to Work

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Flexible Funding with a HELOC

From renovations to major expenses, a HELOC gives you access to funds when you need them. Apply today and start using your line of credit for a variety of needs.

  • Home repairs
  • Remodeling
  • Paying larger medical or education expenses
  • Debt consolidation
  • Large down payments (weddings, vacations, property, etc.)

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  • No or low closing costs1

  • Variable interest rate

  • 10-year draw period1

Banking Made Easy

At Landmark Credit Union, we are all about less complicated banking. We make navigating the everyday and achieving your dreams easier than you ever imagined.

  • Fast & Easy Approval

  • 35+ Branch Locations

  • Highly Rated Digital Banking

Today's HELOC Rate

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  • Home Equity Line of Credit Rate

    • 5.75% APR1

How the HELOC Process Works

  • Research

    Chat with one of our experts and understand the minimum funds you need, calculations of your loan-to-value and requirements for specific rates.

  • Apply

    Submit an application online or in person. Our loan specialist will guide you through the process and inform you about any additional documentation or information needed to get your approval.

  • Draw

    After your HELOC has been approved you will enter the 10-year draw period.1 At this point you can access your line of credit to fund your projects or expenses

  • Repayment

    Once your draw period has ended, you will enter the repayment period, which last 15 years. At this time, you will start making payments on both the interest and principal of the funds drawn.

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Helpful Articles

[1]
Current Rate available on loans for owner-occupied primary residences with loans up to 70% Loan-to-Value (LTV) and credit scores of 740 or higher. Other restrictions may apply. Annual Percentage Rate (APR) is variable and set at Prime (recently 6.75%) minus 1.00 percentage points, or 3.99% APR, whichever is higher. Rate is subject to change on the first business day following any change in the Prime Rate as published in the Wall Street Journal. 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% and the APR will never fall below 3.99%. If the line of credit is closed within the first 2 years, an early termination fee of $200 applies. For loan amounts over $400,000 fees the member is responsible for are property valuation, property condition report, title letter report, and recording fee. These fees typically range between $149 - $1,000 depending on the number of units, occupancy status, and the amount of the credit line requested. Additional loan programs may be available based on creditworthiness. Homeowner’s insurance on the property securing this plan is required. All loans subject to approval. Offer is subject to change or cancellation without notice.