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Home equity line of credit (HELOC)

Your HELOC rate has been lowered!

We're giving you a better rate for 24 months.


You’ve qualified for a lower rate on your HELOC! We’ve already lowered the rate on your Home Equity Line of Credit (HELOC) for the next 24 months and no further action is needed. Take advantage of this lower rate to renovate your home or take the trip of a lifetime.

What could you do with your home's equity?

How to use your HELOC

Using your HELOC is easy! You can transfer your funds to any account for easy access—no need to set up a debit card or jump through any more hoops to use your HELOC.

  • 1

    Log into digital banking and select the Move Money button at the top or start here

  • 2

    Choose your HELOC from the list of accounts in the From section

  • 3

    Choose the RCU or external account where you want the funds to go

Learn More

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RCU Visa® Credit Cards

Use your credit card to pay for purchases and earn rewards, then pay your credit card back with your HELOC! It's easy!

Have a question?

If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.

Put your property to work for you

No matter what you need to buy, use your home's equity to get the funds for major or ongoing expenses.

  • Home Equity Line of Credit (HELOC) rate reduction is valid from 05/21/2024 to 05/20/2026 for a period of twenty-four (24) months (24-month Period) to qualifying Members who received a Change in Terms notice. During the 24-month Period, the reduced rate will apply on all new draws. At the end of the 24-month Period, the rate will automatically revert back to the Member’s original rate as disclosed in the HELOC Agreement and Disclosure. All other terms and conditions of the HELOC Agreement and Disclosure remain unchanged.