Unlock the power of your home’s equity. Whether you’re planning a remodel, consolidating debt, or covering life’s big expenses, we offer two smart solutions:
- Home Equity Loan: Receive a lump sum at a fixed rate and term, giving you predictable monthly payments and the stability you need for major projects or one-time expenses.
- Home Equity Line of Credit (HELOC): Enjoy flexible, revolving access to funds whenever you need them. Borrow, repay, and borrow again—perfect for ongoing expenses, unexpected costs, or long-term projects.
With competitive rates, personalized guidance, and local decision-making, you’ll have the confidence to put your home’s value to work for you. Whether you want the certainty of a fixed loan or the flexibility of a line of credit, we’ll help you choose the option that fits your lifestyle and financial goals.
Please fill out HELOC application
Email to Lending@bayareacu.com
If you have any questions call 419-698-2962 x219
- Use to finance major expenses
- Competitive fixed rates that never changes
- Paid in one disbursement
- Easy repayment options
- Set payment with no surprises
- Local decisions for fast processing
- Automatic payments may be made from your Bay Area account or from another financial institution
- Manage your loans via It’sMe247 banking, mobile banking, or by phone
- Interest typically tax deductible (consult a tax advisor)
This open-end line of credit is also based on the value of your home, but allows you the flexibility to use and re-use as you pay it down. Once approved, you won’t need to apply again. The credit is yours to use when you need, as you need!
- Perfect for immediate cash needs
- Competitive variable rates
- Re-use as needed without re-applying
- Only pay interest on what you use
- Automatic payments may be made from your Bay Area account or from another financial institution
- Local decisions for fast processing
- Manage your loans via It’sMe247 banking, mobile banking, or by phone
- Interest typically tax deductible (consult a tax advisor)