Family in their kitchen

Make An Impact

Equity in your home can fund your next upgrade. What's at the top of your list?

Affordable Home Equity Loans

Use the equity in your house for home improvements (possibly a new pool) or debt consolidation. A better tomorrow begins today! Apply for a Home Equity Loan and see the difference you can make.

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Home Equity Loan Rates

Home Equity Loan Rates

Credit Score

APR* To 80% Loan to Value (As Low As)

Credit Score

760+

APR* To 80% Loan to Value (As Low As)

6.75%

Credit Score

720-759

APR* To 80% Loan to Value (As Low As)

7.00%

Credit Score

680-719

APR* To 80% Loan to Value (As Low As)

7.25%

Credit Score

650-679

APR* To 80% Loan to Value (As Low As)

8.50%

Credit Score

620-649

APR* To 80% Loan to Value (As Low As)

9.50%

Effective December 9, 2024

*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate shown is for 60 month term. 120 and 180 term loans are also available. Contact us for details. Minimum amount: $15,000 - Maximum amount: $350,000. Property insurance is required and will be verified. No prepayment penalty.

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Home Equity Loan Features

Get the money you need to make the changes you want! Use a Copper State Credit Union Home Equity Loan to consolidate debt or pay for a wedding, a brand new pool, college, medical bills, and more! You can borrow up to 100% of the appraised value of your home.²

Competitive Rates

Our low Home Equity Loan rates offer you an affordable monthly payment.¹

Flexible Repayment Terms

Fixed rate Home Equity Loans are available with terms from 60 - 180 months.²

Potential Tax Advantages

Home Equity Loans offer potential tax deductions on interest payments.

Endless Possibilities

Use the funds on anything you can imagine (excluding business purposes).

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Looking To Save Money?

Consolidate multiple loan payments into one!

Mother and children cooking in the kitchen after getting a home improvement loan.

Home Improvements or Debt Consolidation

Tap Into Your Home's Equity

Your house may be more valuable than you think. If your home is worth more than what you owe on it, you have equity in your home. You can access that equity with a Home Equity Loan from Copper State Credit Union, which allows you borrow up to 100% of the appraised value of your home.²

Our low Home Equity Loan rates offer affordable monthly payments, allowing you to make the changes you want knowing your budget is still on track. Plan the wedding, remodel your kitchen, put in a new pool or take those extra college courses. Whatever you have in mind, we are here to support you on your next adventure.

Home Equity Loan Calculator

See how much you can afford. Adjust the rate and loan term to see what works with your budget. Like what you see? Email yourself the results for reference.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Home Equity Loans Get It Done

Home Improvement

Build that dream kitchen, make a man cave, or remodel the bathroom. A Home Equity Loan makes it achievable.
Cash Out Refinance

A cash-out-refinance replaces your existing mortgage with a new home loan for more than you owe on your house. You get the extra cash!
Medical Expenses

The funds you receive from your Home Equity Loan can pay for unexpected expenses including medical bills.
Finish That Degree

Do you have a couple courses left, or do you have children heading off to college? No need to worry, the money can cover that too.

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Our Low Home Equity Loan Rates Make This A Great Solution For Debt Consolidation

You can transform your multiple loan payments into one simple payment, and pay down existing debt while simultaneously improving your credit. Need some help? No problem. Copper State CU is here to guide you towards financial freedom!

Home Equity Loans Counter Life's Surprises

Life is full of surprises we never could have imagined. Some are amazing, some are not so amazing. Our Home Equity Loan should provide you comfort in knowing that when these unexpected events come up, Copper State CU is here to help.

We value you, your family and the place we all call home. We are here to help you overcome whatever obstacles stand in your way to financial freedom and we're by your side through every step of your journey.

Member Home Loan

Liliana D.

This is my 5th time getting a loan and it has been the best experience ever.

They've been outstanding on getting everything done in timely manner and keeping me posted all the time.

I have checked the rates at at least 10 other banks and Copper State Credit Union had by far the most competitive rate. Thank you.

Have a Question?

Frequently Asked Questions

What is the difference between a Home Equity Loan and a HELOC?: With a Home Equity Loan, funds are provided in one lump sum with one consistent monthly payment. On the other hand, a HELOC is a revolving source of money in which you withdraw and pay back the funds over time. You also only pay interest and make payments on the balance you owe.

Is the interest tax deductible?: Interest on Home Equity Loans and HELOCs may be tax deductible. Please consult your tax advisor regarding tax deductibility.

Are Home Equity Loan and HELOC interest rates fixed or variable?: Home Equity Loans have a fixed rate while HELOCs have a variable rate that changes according to the Wall Street Journal prime rate.

How much can I borrow?: A Home Equity Loan has a minimum loan amount of $15,000 and a maximum loan amount of $350,000. A Home Equity Line of Credit has a limit up to 80% of your home's appraised value with a $350,000 maximum credit limit.

FREE EBOOK

Ultimate Budget Plan

Ultimate Budget Plan to Save You Time and Free Your Money

Make Your Money Work For You!

Start budgeting for your next home improvement project or dream vacation!

Included in the free eBook:

What is a Zero Balance Budget Plan?
Find Your Financial Goals
Before Starting Your Budget Plan
Add Up Net Income
Tally Spending [Expenses] and Categorize
Quick Budget Plan Calculation
How to Make Monthly Budget Plan Adjustments
Mistakes to Avoid

Get your free copy now!