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Flex-Line HELOC

Put your home's equity to work with a Home Equity Line of Credit.
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Kitchen in the middle of a renovation Counters and doors are off and drawers and cabnets are exposed

    Low rates and affordable payments for big plans.

    You bought your home, you’ve been making regular payments, and you’ve built up equity. Now it’s time to put that equity to work for you.

    Special HELOC offer:
    1.99% APR* intro rate

    Today's home is doing double duty…and often more. If you could use some extra space or an updated view, Wings Financial can help. Take advantage of this special 1.99% APR* introductory rate for 6 months, then our low variable rate afterwards.

    Get Started Today

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    Home Equity Line of Credit Rates

    Home Equity Line of Credit APR as Low as*
    Variable Rate — 80% Loan-to-value (Max. 18% APR) 1.99% intro APR for 6 months (3.49-7.75%† thereafter)
    Variable Rate — 90% Loan-to-value (Max. 18% APR) 5.99%

    *APR = Annual Percentage Rate.
    Participation in this offer is subject to credit approval. Introductory rate valid on newly originated 80% loan-to-value (LTV) HELOC for the first 6 months account is open.
    † Rates effective as of November 19, 2020 and are variable and subject to change monthly. Closing costs may vary by state. The average cost is $300, but can range from $50 to $1,800. Interest-only payments only available for loans approved at 80% LTV. Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
    All loans subject to approval. Speak to a loan officer for details.

    Finance your plans with home equity.

    Home Equity Lines of Credit allow you to borrow against the equity in your home to finance virtually anything, from home projects to travel and more. You can draw on your credit as needed up to an approved amount, over a specific period of time, then pay it back at a low, variable interest rate.

    Apply Now

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    See how much equity you have.

    Use our calculator to determine the available equity in your home.

    Common Questions About Home Equity Loans.

    See All FAQs

    How do I access the funds in a Home Equity Line of Credit?

    You may transfer available funds from your line of credit to your checking account in CU Online or on the Wings Mobile App.

    Are there closing costs for a Home Equity Line of Credit?

    Wings will waive closing costs of up to $300 with a $10,000 initial draw (excluding appraisal if required).

    Is the interest on a home equity loan or line tax-deductible?

    A portion of your interest may be tax-deductible (consult your tax advisor).

    What’s the difference between a Home Improvement Loan and Home Equity Line of Credit?

    A Home Improvement Loan is a one-time installment loan at a fixed rate, providing a single lump sum and predictable monthly payments over the loan’s term.

    A Home Equity Line of Credit is a revolving, variable-rate line of credit you can draw on as is needed, over a time frame of up to 10 years.

    Get in. Get help. Get on your way.

    Appointment Concierge is a scheduling service that helps you get prompt, face-to-face service on your schedule. Schedule as far out as 15 days, or as little as 2 hours ahead. Tell us about your needs, so we’re ready to help.

    Make an Appointment

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