Home Equity Line of Credit

Do it all with a Home Equity Line of Credit at Ideal Credit Union

Special 1.99% introductory APR for the first 6 months1

Get the cash you need when you need it with an Ideal Home Equity Line of Credit. Access as little or as much of your credit line as you need for home renovations, a well-deserved vacation, debt consolidation, tuition, wedding expenses or whatever else you may need.

  • Fixed introductory 1.99% APR1 for 6 months
  • Borrow up to 90% of your home’s value
  • Low variable rate after promotional period
  • 24/7 access to funds with Ideal Digital Banking

Access your funds 24/7 with Ideal Digital Banking

You'll enjoy 24/7 access to your funds using Ideal Digital Banking — Simply transfer funds directly from your HELOC into your savings or checking account.

Special introductory rate offer ends May 31 — apply today

Apply soon to take advantage of this special introductory rate offer available February 15 through May 31, 2021.

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1. APR is Annual Percentage Rate. After the first six (6) months of the loan term, the Introductory APR will revert to a variable APR based on the Prime Rate as published in The Wall Street Journal. Your post-promotional rate will be disclosed to you prior to signing for your line of credit. On a $10,000 home equity line of credit balance at 1.99% APR, monthly payments would be $100, 1% of the outstanding balance. After the introductory period, the minimum floor APR will be 4.00% and maximum APR will be 12%. An increase in the Index will result in an increase in the periodic rate. Required payments are calculated at 1% of the outstanding balance. Maximum loan amount is $350,000. Properties must be owner-occupied. Eligible property types include SFD and Townhomes (up to 90%), and condos (up to 80%); Not eligible for multi-family properties. All loans are subject to credit approval. Some housing exceptions apply. Closing costs range from $500 to $2,000. Offer valid for applications submitted and approved February 15 through May 31, 2021. Loan must close on or before July 15, 2021 for introductory rate to apply. This is a limited-time offer and is subject to change at any time without notice.