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Routing #: 301282064

Home Equity Line of Credit

The cash you need may be right under your roof!

A Home Equity Line of Credit (HELOC) lets you borrow money using the equity in your home as collateral. The interest rate on a HELOC is generally much lower than you would pay on a credit card or personal loan, which makes it ideal for home improvements, medical bills, college tuition, debt consolidation or even a dream vacation!

Our HELOC features:

  • A five-year draw period
  • A payment term of 15 years
  • Borrow up to 85% of the value of your home (less current mortgage debt), up to $200,000.
  • Interest may be tax deductible (consult a tax advisor regarding this)

We can help you get the cash you need with an easy application process, no pre-payment penalty, and your interest may be tax-deductible (consult your tax advisor).


First time HELOC applicants. Call or visit one of our branches. Contact Us.


Already established HELOC applicants. You can also contact a loan officer.





APR=Annual Percentage Rate. Borrow up to 85% of the value of your home (less current mortgage debt), up to $200,000. All loans subject to approval. Membership eligibility required. Variable interest rate adjusted semi-annually on June 1 and December 1, which could affect the monthly payment. Promotion does not apply to existing loans with CMCCU. See credit union for details. Federally Insured by NCUA.