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.

Low Rates

Your Wings membership gets you some of the lowest loan rates for all your financial needs.

More Flexibility

Draw on your credit as needed, plus make interest-only payments during the draw period.

Tax Advantages

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

Home Equity Line of Credit Rates

Home Equity Line of Credit	APR as Low as*
Variable Rate — 80% Loan-to-value (Max. 18% APR)	4.50%
Variable Rate — 90% Loan-to-value (Max. 18% APR)	6.00%

*APR = Annual Percentage Rate. Rates range from 4.50% to 11.00%. HELOC rates are variable and subject to change monthly. The maximum APR is 18%. 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% loan-to-value. Membership with a $5.00 minimum opening deposit is required.

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.

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See how much equity you have.

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

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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.

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