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Home equity loans

You worked hard for your home—now let it work for you

Apply for a loan today and see how the equity in your home can be a powerful resource to help fund your dreams.


Achieve your goals and start living the life you want. A home equity loan is a safe and reliable way to finance your goals while helping you take control of your financial future.


As low as  % APR


No closing costs2

Most home loans require expensive closing costs. Keep your hard-earned money with no closing costs on certain RCU home equity loans.

Up to 85% combined loan to value

For primary residence loans, you can qualify to borrow up to 85% of your home's value (including first mortgage balance), and 80% for second home or investment properties.

Larger primary residence loans

You can receive loans up to $500,000 for primary residences to help you get more funding toward your goals. Amount varies for second homes or investment properties.

Second and investment property loans

You may be eligible for loans up to $300,000 on second home or investment properties, to get even more funding for your needs.

And more...

What could you do with your homes' equity?

Home improvements

When you’re short on funds, don’t wait until your house needs serious repair or renovation. A home equity loan can help you finance the repairs and improvements you need.

Debt consolidation

Using a home equity loan with a lower interest rate to consolidate your current debt may help you pay off what you owe easier.


One way to make your dream wedding a reality is by using the equity in your home to finance the costs. You deserve to plan the ideal celebration with your lifetime partner.


Did you know that a home equity loan can be used to finance your college education? It’s an excellent way of borrowing money to help you acquire a degree that will benefit your future career.

Investment property

The equity in your home can help you afford another property for investment.

Something else

A home equity loan can be used for a a variety of purposes, so consult with one of our experts today to learn more.

How to get a home equity loan

Home equity loans can be used to pay for a variety of expenses, and you can make easy monthly payments using online or mobile banking.

  • 1

    Apply online

    Complete an application to begin the loan process.

  • 2

    Work with us

    Partner with one of our mortgage lending experts.

  • 3

    Use your home equity loan

    Get approved and use the loan funds.

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

Raina shares how RCU simplified the process of getting a mortgage loan.

Top Questions

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.

With the right loan amount you can achieve more of what's important to you

Apply for a loan today so you can see how leveraging your home's equity can be the key to unlocking opportunities that will make your dreams come true!

  • 1Rates are effective May 26, 2024. Certain restrictions may apply. Maximum Combined Loan-to-Value (CLTV) for above rates is 85%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home. RCU mortgage loans are available on CA properties only.

    2A No Closing Cost option is available for loans up to $200,000. Must have a CLTV of 80% or less, an Automated Valuation Model (AVM) must be available, and a limited title policy must be obtained. A $750 early closure fee applies if the loan is closed within 36 months of the date of the security instrument. Any loan greater than $200,000 requires a full title policy at cost to the borrower in addition to all other loan fees and any loan greater than $400,000 requires a full appraisal at cost to the borrower in addition to all other loan fees. Payment examples provided do not include taxes or insurance, actual amounts may be greater.

    3Please consult your tax advisor regarding tax deductibility and tax implications.