Turn your home ownership into a more rewarding experience with a home equity line of credit from Human Services ECU. Capitalize on the value you've built up in your property with cash for home improvements, educational expenses, or whatever purpose suits you.

Human Services ECU Home Equity Loans offer the follwoing features:

• Rates are based on your credit and the Prime rate with a floor of 6% and cap of 15%. $10,000.00 minimum loan amount on all Home Equity loans.
• Minimum monthly payment is $100.00
• Rates shall be variable based on the Wall Street Journal to be determined semi-annually the first Tuesday in March and September.  Adjustments to interest rates, when applicable, shall be made on the first day of April and October of each year.  Interest rate adjustments shall not exceed 1% per adjustment. 
• Rates as low as 6.00% with the corresponding daily periodic rate and a maximum of 15% also with the corresponding daily periodic rate.
• When your home is on the line: What you should know about Home Equity Lines of Credit.
  
  

  80% LTV or less equity:	Greater than 80% LTV equity:
  5 year draw period 15 year repayment period from original date of loan	2 year draw period 7 Year repayment period from original date of loan

Click here to view the home equity line of credit early disclosure.

Please contact us for more information on loans or click here for a home equity loan application. Click here for rates and terms on Human Services ECU home equity lines of credit.