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Take advantage of your home’s value with our Home Equity Line of Credit. By using the equity in your home, you can finance home improvements, consolidate debt, or even take a vacation.

  • Variable interest rate
  • Fixed rate and term options are also available
  • Revolving Line of Credit
  • The monthly payment automatically adjusts with each advancement
  • A monthly billing notice is mailed out each month to the borrower
  • Funds are accessible by transferring online, in-person requests, and with home equity checks

Loan TypeTermAPR*Monthly Payment Per $1,000 Borrowed
Home Equity Line of Credit (HELOC)RevolvingAs low as 3.25% variable1
Max. APR = 18%
Varies 2
Fixed Rate Equity10 yearsAs low as 5.51%$10.86
Signature Equity - Home Improvement Loan10 yearsAs low as 6.26%$11.24
* Annual Percentage Rate. Rate adjusted quarterly based on prime rate plus 0.00%.
1. The home equity line of credit loan has a variable rate of prime plus 0.00% for the life of the loan. The rate is subject to adjust quarterly. Prime rate is 3.25% APR as of 8/17/21. Hazard Insurance is required; flood insurance is required where necessary. Please consult your tax adviser for deductibility of interest and charges. We will lend up to 80% of the appraised value of your home, minus the first mortgage or 90% LTV if New Dimensions FCU is the first lienholder. Minimum credit line is $5,000.
2. HELOC minimum monthly payment will be the greatest of: (i) 1.50% of the line’s balance at the last advance, (ii) the amount of accrued finance charges, or (iii) $50. Minimum draw (or advance) amount of $500 at all times. Payments quoted above do not include taxes and/or insurance premiums.

Use your home’s equity to gain access to cash!