When it's time to take care of home improvements, cover tuition costs or finance a major purchase, a home equity loan may be the perfect option to get the cash you need.

Members can take advantage of two types of home equity loans – a fixed rate Home Equity Loan or a revolving, variable rate 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.
  • Up to 100% LTV financing.  

A BTCU Home Equity Line of Credit is a revolving, variable rate line of credit that uses your home as collateral. BTCU will finance up to 80% LTV. Get easy access to your home equity. If you’re approved, you will only make payments and pay interest on the funds you advance. Loan payments are amortized over 120 months. Advances can be made via our online banking or with our BTCU mobile app.

Did you know? It’s our job to save you money. BTCU makes it easy to refinance your home equity or home equity line of credit. Contact a loan officer by calling 763.315.3888 Option 2 or apply online to see how much you can save TODAY!


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


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Home Equity Line of Credit Rates View All Rates

Variable-Rate 80% LTV 1

  • Rates as low as
    4.00% APR
Home Equity Loan Rates View All Rates

Fixed-Rate 80% LTV 1

  • Rates as low as
    3.79% APR

Fixed-Rate 100% LTV 2

  • Rates as low as
    4.94% APR