Home Loans

Home Loans

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Say hello to cash sweet cash!

Open up the doorway to the funds you need. A Home Equity Line of Credit (HELOC) gives you access to your equity whenever it is convenient for you.

Apply for a Home Equity Loan

Traditional HELOC

  • Borrow as little as $10,000.00 up to $100,000.00
  • Terms up to 15 years, with a 5-year draw period
  • Lines of credit up to 80% of the home’s value
  • The minimum first advance must be $1,000.00
  • Minimal closing costs

Home Equity Line of Credit for Manufactured Homes

  • Borrow as little as $10,000.00 up to $50,000.00
  • Terms up to 15 years, with a 5-year draw period
  • Lines of credit up to 80% of the home’s value
  • The minimum first advance must be $1,000.00
  • Minimal closing costs
  • No older than 15 years minimum of a double-wide home, registered as real property
  • First lien position required

Mortgages

If you’re looking to purchase or refinance your home we have resources to help. See our Mortgage page!

Rates

Type
dividend Rate
Term
APY*
APR*
Min / Max balance
Notes
Home Equity Line of Credit
Term (Months)
Dividend Rate
180
APY*
APR*
Prime + a Margin of
1.00%
-
5.00%
Min/Max Balance
Notes
See Note 3

IRA Certificate Rates

Account Type
Rate
APY*
Minimum balance
12-Month IRA Certificate
Dividend Rate
2.96%
APY*
-
3.00%
Min/Max Balance
$500.00
18-Month IRA Certificate
Dividend Rate
2.47%
APY*
-
2.50%
Min/Max Balance
$500.00
24-Month IRA Certificate
Dividend Rate
2.25%
APY*
-
2.27%
Min/Max Balance
$500.00
36-Month IRA Certificate
Dividend Rate
1.50%
APY*
-
1.51%
Min/Max Balance
$500.00
48-Month IRA Certificate
Dividend Rate
1.75%
APY*
-
1.76%
Min/Max Balance
$500.00
60-Month IRA Certificate
Dividend Rate
2.00%
APY*
-
2.02%
Min/Max Balance
$500.00

*APR = Annual Percentage Rate. Rates subject to change. Click to view complete listing of rates and effective date.

Note 3: Rates for Home Equity Lines of Credit are based on the Wall Street Journal Prime Rate (WSJPR) with an added margin. Final rate is based on applicant's credit score. Please contact a Hello Credit Union Mortgage Loan Originator for current pricing, closings costs, and program details by calling 850-785-6103.

HELOCS - What You Should Know

Hello Credit Union’s NMLS ID# 462113