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See How Much Your Home Loves You

With a Home Equity Loan or Line of Credit

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Home Equity

An InRoads Equity Loan or Line of Credit can help make almost anything happen, including a month in the Caribbean, an epic deck, sending someone to college, or buying top-of-the-line appliances.

Home Equity Line of Credit

An InRoads Credit Union Home Equity Line of Credit features a revolving line of credit that gives you 24/7 access to your money.

  • Variable rate as low as 4.50%* APR
  • Revolving line of credit
  • Easy access through Online and Mobile Banking

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Home Equity Express

Access your equity for a full year. Then pay it off over 8 years with a locked-in 4.50%** APR.

  • 8-year term
  • Fixed rate
  • Low closing costs

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Home Equity Loan

An InRoads Credit Union Home Equity Loan gives you a lump sum of cash along with a fixed rate and monthly payments.

  • Fixed interest rate
  • Fixed monthly payments
  • No annual fees

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Home Equity Calculators

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Mortgage

Home ownership starts with an application and ends when you get the keys to your new house and start decorating. We’re here to help you get there.

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  • *The Annual Percentage Rate (APR) for a Home Equity Line of Credit is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Corresponding variable APRs range from 4.50% to 8.00% APR as of 8/11/2022. The maximum APR is 18.00%. Third-party closing costs are applicable and will vary depending on the loan amount. For a $10,000 line of credit fees could range from $514.00 to $1,389.00. An annual fee of $50 will be assessed beginning one year following consummation.
  • **Credit approval required and terms and conditions apply. Current APRs range from 4.50% APR to 6.50% APR, as of 8/11/2022. Borrower must pay closing costs, estimated at $176 to $181 for a $10,000 line of credit.
  • All loans are subject to credit approval. Additional restrictions may apply. Borrower will be responsible for third party fees, such as: appraisal, tax and flood tracking, title insurance, and settlement service. Consult your tax advisor about deductibility and your tax liability. Adequate homeowner’s insurance coverage is a requirement for this loan.