Earn 4% APY* with an InRoads Smart Start Savings account.
Home Equity Lines of Credit
The money you need could be under one roof.
Spring Into Home Equity Action
Out With the Old. In With the Wow!
Your home's equity can hold the key.
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Variable rates.*
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Revolving line of credit.
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Easy access through Digital Banking.
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Quick, low-cost closings.
Be Prepared for Anything that Comes Your Way
An InRoads Home Equity Line of Credit lets you take care of serious situations, like paying medical bills or making emergency repairs, and do special things in life, like remodeling your home or taking a vacation.
The possibilities are endless because of the Home Equity Line of Credit's flexibility. One simple application gives you access to the money you need for all your plans. And since it's a revolving line of credit, you can continue to access money as you make monthly payments, just like a credit card but at a lower interest rate.
Home Equity Express1
Draw on your equity for 12 months, then pay off your line over eight years with a fixed rate. Super low closing costs makes a Home Equity Express a simple solution.
- 8-year repayment period
- Fixed rate
- Low closing costs
Home Equity Line of Credit2
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 6.500% APR
- Revolving line of credit
- Easy access through Digital Banking
Equity, in Simple Terms
Equity is the current market value of your home minus your mortgage balance. Your equity is collateral for the line of credit, which lets you borrow at an attractive rate.
A HELOC Can Make It Happen
Make Your Plans Possible
From home projects to a dream vacation, our financing can help make it happen.
Disclaimers
1Payment example: For $10,000 at 7.750% APR based on an 8-year repayment period monthly payment is $140.10.
2 Variable rate based on the Prime Rate as published in the Wall Street Journal, plus a margin. APRs range from 6.500% to 10.000% as of 6/22/26 with a maximum of 18.00%. Borrower must pay third-party closing costs estimated at $541.00 to $1,389.00 for a $10,000 Line of Credit. An annual fee of $50 will be applied one year following consummation.
All loans are subject to credit approval. Additional terms and conditions may apply. Homeowners Insurance required. Consult your tax advisor regarding the deductibility to interest and charges. NMLS# 460444.