Put Your Home to Work
Your home is likely your most valuable asset—it keeps you dry, holds your favorite memories, and now, it can help fund your future. Whether you’re finally building that backyard oasis, adding a nursery, or simplifying your finances through debt consolidation, a Home Equity Line of Credit (HELOC) gives you the flexibility to use your equity exactly when you need it.
Take advantage of our great HELOC rates starting as low as 6.75% APR* with flexible repayment options. Whether you're renovating your home, financing education, or consolidating high-interest debt, now’s the perfect time to unlock your home’s equity and achieve your financial goals.Flexibility Designed for You
Unlike a traditional loan, a HELOC works like a revolving credit line. You can borrow as little as $5,000 to get started and enjoy the freedom of interest-only payments for the first decade.
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The 10-Year Draw: Keep your line of credit open for 10 years to use as needs arise.
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The 15-Year Repayment: Once the draw period ends, you have a steady 15-year window to pay back the balance.
Clear Terms, No Surprises
We believe in keeping things straightforward so you can focus on your projects, not the paperwork.
Ready to Put Your Equity to Work?
Our easy online application gets you on the way to accessing your home's equity for whatever you have planned.Check rates and apply online today to get started.
Ways to Use Your HELOC
Your home is more than just a place to live; it is a powerful financial tool. By tapping into your home’s equity, you can access the funds you need to reach your next big milestone. Whether you’re looking to enhance your living space or secure your financial future, our Home Equity Line of Credit (HELOC) offers the flexibility to make it happen.
The Ultimate Home Refresh
'From a custom-built swimming pool to a modern kitchen remodel or a much-needed home addition, your equity can fund the transformation of your house into your dream home. Because these funds go back into your property, you’re not just spending—you’re investing in your home's value.
Financial Freedom & Consolidation
High-interest debt can feel like a weight. Use your HELOC to consolidate credit cards or personal loans into a single, manageable monthly payment with a competitive variable rate. It’s a strategic way to save on interest and pay down your balances faster.
Investment in Education & Milestones
Equity can be the bridge to a brighter future. Use your line of credit to cover college tuition, vocational training, or even major life events like a wedding. With a 10-year window to draw funds, you can pay for expenses as they arise rather than taking one large lump sum.
How Do I Calculate My Home’s Equity?
Understanding how much you can borrow is the first step in the process. Equity is essentially the difference between what your home is currently worth and what you still owe on your mortgage.
To get a rough estimate, you take the current market value of your home and subtract your remaining mortgage balance. For example, if your home is valued at $400,000 and you owe $250,000, you have $150,000 in equity. Most lenders allow you to borrow against a portion of that value, typically up to 80% or 90% of the total home value minus your first mortgage.
Use our Home Equity Calculator to get an instant estimate of your borrowing power.
Start Your Application Today
*APR stands for annual percentage rate. Variable rates start at 6.75% APR. CASE Credit Union rates are current as of 11/01/25 and are subject to change at any time. Your actual rate may vary and will depend on loan amount, loan term, your creditworthiness, income, and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Not all applicants will qualify. CASE membership required. Federally Insured by NCUA. Equal Opportunity Lender. NMLS# 402568