Coronavirus Update - Our Branches Are Open
Branch Lobbies are Open - Our branch lobbies are open to serve members Monday - Friday, during regular business hours. Click Here for branch locations and hours of operation.
Special Hours for Vulnerable Members - At our branch locations, every Wednesday morning from 9:00 am to 10:00 am is dedicated to serving our vulnerable members, including the elderly, pregnant women, individuals with underlying health issues, or those defined by the Centers for Disease Control and Prevention (CDC) as vulnerable or at-risk. For the protection of our vulnerable members, we will limit the number of individuals in a lobby at one time.
Saturday Hours of Operation - Cordera Branch - 9:00 am - Noon; All other branch locations - Closed.
Click Here for the latest membership updates and coronavirus (COVID-19) related information.
Home Equity Loans
Many members do not realize how easy it is to utilize the hard earned equity in their home.
10/10 HELOC
10/10 HELOC:
Whether it’s a planned purchase, unexpected expense, or tool to help consolidate debt, our 10/10 HELOC is the perfect way to give you quick access to the money you need now!
A HELOC turns the equity in your home into a revolving line of credit, giving you access to cash at rates typically much lower than a traditional credit card.
With our 10/10 HELOC you’ll enjoy:
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10 year advance period*
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10 year repayment period*
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Quick approvals
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No annual fee
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Low interest rates
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Interest only payments through the advance period*
*APR=Annual Percentage Rate. APR is determined by adding a Margin to the Index. The Index is the Prime Rate as published in the “Money Rates” table in The Wall Street Journal. The Margin is calculated based on individual credit history and loan-to-value ratio. Rates subject to change without notice. Rates may vary after account is opened. Rates are adjusted on the first day of the quarter following a rate change in Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 03/16/2020, is 3.25%. At no time, will the rate exceed 17.99% APR. Minimum loan amount is $10,000. Maximum loan amount is $250,000. During the Advance Period, the minimum monthly payment is the greater of $50.00 or the finance charges that have accrued during the billing cycle. During the Repayment Period, the minimum monthly payment is the greater of $50.00 or the minimum monthly principal and interest payment due based on a 120 month amortization schedule calculated by the outstanding balance at the end of the Advance Period, plus finance charges that have accrued on the outstanding balance during the billing cycle. There is no limit on the amount by which the rate can change during any one-year period aside from the rate cap of 17.99%. Floor rate range is 3.00%-6.25% APR. Under no circumstance will the APR go below the initial start APR for an individual plan. The maximum APR of 17.99% could be reached the first month of the draw period. Closing cost range is $400-$900 only if an appraisal is required. Late fees may apply. For current index value, margins, and APR, call 800.223.1983. Restrictions and requirements may apply. Ask a mortgage loan officer for details. Membership requirements apply. Equal Housing Lender.
