When it's time to take care of home improvements or finance major purchases, a home equity loan may be the perfect option.

Members can take advantage of two types of home equity loans - a Home Equity Loan or Line of Credit.

With a BTCU Fixed-Rate Home Equity Loan you can:

  • Enjoy a fixed interest rate for the life of the loan.
  • Receive your funds in a lump sum — you get the full loan amount at once.
  • Choose from a variety of loan terms.
  • Make fixed monthly payments of principal and interest.
  • Have a predictable payoff schedule.
  • Pay down additional principal balance at any time without penalty. 

A BTCU Home Equity Line of Credit is a revolving, variable-rate line of credit that uses your home as collateral. The amount you borrow is based on the difference between the debt secured by your home and its market value. You can use the money whenever you need it, with no fixed schedule. If you’re approved, you can withdraw what you need, when you need it, and pay interest only on the funds you withdraw.

Did you know? We can also refinance your home equity loan from another bank. Yes! It pays to refinance. That's right - depending on your current rate, you may be able to save hundreds of dollars per year by simply refinancing to a lower rate with BTCU. The process is easy and it doesn't cost a penny to talk to us to see how much you can save!

Insure your loan payments! With Credit Life & Disability Insurance, if you are totally disabled due to injury or illness or in the event of your unexpected death, it may help cover your loan payment or payoff your loan.


BTCU NMLS: 407267
Information Booklet: Learn more about Home Equity Lines of Credit.

No Closing Cost Home Equity Loans - Now is the perfect time to borrow cash for home improvements, refinance a higher interest loan from another bank, consolidate debt or more. You can even borrow up to 100% of your home's equity. Call us to apply today at 763-315-3888.

*Offer valid for loans with applications dated from February 1, 2019 through April 30, 2019. Loan approval is subject to normal credit qualifications. This offer applies to new loans only with a minimum balance of $25,000. Higher rates apply for higher LTV, lower credit scores or other loan amounts. Interest rates and loan terms are subject to change without notice. Property insurance is required. Consult your tax advisor regarding the deductibility of interest.

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