Make your home equity work harder for you
Compare your options
Access the equity in your home and use it to fund home improvements, major expenses, debt consolidation or even a much-deserved vacation.
Flexible Home Equity Line of Credit Special - 4.87% APR for the First 12 Months!*
Do it all with a Flexible Home Equity Line of Credit! Now is the perfect time to put your home's equity to work helping you achieve your goals. Apply online or schedule an appointment to visit an Idea CU branch near you.
Limited-Time Special - Offer Ends September 30, 2025!
Flexible Home Equity Line of Credit
Access the equity in your home with more control and flexibility. The Flexible HELOC works like a traditional line of credit but lets you move all or part of your balance into a fixed rate loan segment whenever you choose. As you pay it down, your available credit replenishes.
- Borrow up to 90% of property value
- Option to lock part or all of your HELOC balance into a fixed rate
- 24/7 access to funds with Ideal Digital Banking — Simply transfer funds directly from your HELOC into your savings or checking account
- 10-year draw and up to 15-year repayment period
- Maximum loan amount of $450,000
Fixed Home Equity Loan
Cover a large expense or home project all at once. This loan option can also help you to consolidate debt at a lower rate to help you save more while paying it off faster.
- Fixed-rate and payments
- Repayment terms up to 20 years
- Borrow up to 90% of property value
Convenient Solutions for Your Home Renovations
Ideal Credit Union has partnered with RenoFi to provide members an option to get the most money and lowest monthly payment for your home renovation. We’ve designed RenoFi Loans in a way that makes life much easier for homeowners and their general contractors. Once approved, homeowners receive 100% of cash up front. No draws, no inspections.
- Choose between Flexible HELOC and Fixed Rate Home Equity Loan options
- Borrow up to 90% of the after renovation value of your home
- Flexible home equity line of credit option offers a 10-year draw and up to 15-year repayment period1
- Fixed-rate home equity loan terms up to 20 years2
- No repayment penalty
Find out how much you can borrow!