Home Equity Loans and Lines

Whether you want a lump sum of cash right away or prefer a line of credit you can tap into when you need it, we'll match you to the lending solution that's right for you. And with no up-front fees or closing costs in most cases, you'll keep more money in your pocket.*

Line of credit options icon

Line of Credit

  • Take advantage of a 10-year revolving line of credit, then take up to 10 years to repay
  • Access cash 24/7 via credit card or convenience checks
  • Only pay interest on the amount borrowed
  • Interest-only monthly payment option available to qualified borrowers**

Prime Equity Line

  • Credit line up to 80% of your home's value***

Equity Line Plus

  • Credit line up to 90% of your home's value***
Lump sum icon

Lump Sum

  • Funds dispersed at closing
  • Low, fixed rate for easy monthly budgeting
  • Budget-friendly repayment terms
  • Borrow up to 90% of your home's value***

Applying is easy!

  • Apply online in minutes
  • Visit tcunet.com/mortgage to find your local Mortgage Loan Officer, check rates and apply
  • Call us at (800) 876-7014

Home Equity Application Checklist

W2 Wage Earner:

  • Pay stubs for the most recent 30-day period
  • Social Security Award Letter (if applicable)


  • Past two years Personal and Business (Corporate/Partnership) tax return forms and schedules
  • K-1’s for prior two years if applicable

Rental Income:

  • Past two years personal tax return forms and schedules
  • Homeowner’s Insurance:
  • Copy of Homeowner’s Insurance Policy

Additional Information (if applicable)

  • Divorce Decree and Property Settlement- Signed
  • Bankruptcy Papers
  • Trust Documents

NOTE: Additional documents may be required depending upon your specific circumstances.