Home Equity Loans

Upgrade your home or pay down debt using our home equity loans.

Unlock Equity. Open Possibilities.

Your home could help you pave the way toward your next big goal. A Wildfire Home Equity Line of Credit puts your home's equity to work for you, giving you the flexibility to tackle home improvements, consolidate high-interest debt, cover major expenses, and more. Blaze your own financial trail with the freedom and flexibility of a HELOC!

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Home Cash

7.212

%
APR*

Up to 80% loan to value

Home Equity Line of Credit

7.000

%
APR

90% of appraised value

Home Equity Loan Types

Available for primary residence or second home.

Home Cash

Model house placed on top of several hundred-dollar bills.

Home Cash Equity Loan

Loan Amount: $5,000 to $500,000**
Loan Term: Max of 20 years with a 5-year balloon
Finance: 90% of your home's equity, or 80% of the estimated value as determined by the Credit Union

HELOC

Model house placed next to several hundred dollar bills.

Home Equity Line of Credit

Loan Amount: $5,000 to $500,000**
Loan Term: 10-year draw period with a 25-year amortization period
Finance: 90% of your home's equity, or 80% of the estimated value as determined by the Credit Union

Home Cash Equity Loan

Effective Date: - 12:00 A.M. EST
20 year amortization; 5-year balloon†.
All payment examples are for principal and interest only. Property taxes and insurance are not included.
A balloon payment will result if only principal and interest payments are made during the term of the loan.
*Based on maximum Amortization Period.
**† Balloon repayment and option to refinance example:** If you borrow $50,000 at 7.212% APR for a 240 month amortization, 60 month balloon term, you will make 59 payments of approximately $387.65 and one final payment of approximately $43,515.96. All or a portion of the final payment may be refinanced with qualifying credit worthiness.
Loan Information	Interest Rate	APR (As low as)	Payment per $1,000 borrowed*
Loan amounts greater than or equal to 80.00% to 90.00% Loan to Value, appraisal may be required.	7.500%	7.724%	$8.06/mo
Loan amounts less than or equal to 80.00% Loan to Value.	7.000%	7.212%	$7.76/mo

Home Equity Line of Credit

Effective Date: - 12:00 A.M. EST

There are no transaction, activity, membership, or participation fees.
10 year draw period, 25 year amortization period.
Additional charges may apply.
Maximum rate 18%.
Loan Information	Interest Rate	APR (As low as)	Payment Amount
$5,000 minimum; $500,000 maximum; up to 90% of appraised value.	7.000%	7.000%	APR is variable and reviewed monthly.

Disclaimers:

*The Annual Percentage Rate (APR) is a variable rate based on the WSJ Prime Rate and the maximum APR is 18.00%. The APR may vary after the account is opened. Rates, terms and conditions are subject to change and vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. No Closing costs applicable for second lien position loans of $50,000 or less that do not require full title commitment or appraisal. Closing costs may range from $0 - $2,500. Property insurance is required and not included in the closing costs.

**Appraisal required on loan amounts greater than $50,000.

Mortgage Applicant Disclosure

Home Equity Early Disclosure