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Home Equity Line of Credit

With a home equity line of credit (HELOC), you can borrow money against your home.

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Benefits of a Home Equity Line of Credit

Much like a credit card, a HELOC gives you the flexibility to pay down your credit line and access funds as you need them.

A HELOC is a convenient and cost-effective option to finance home improvement projects or consolidate debt. You can also access the account to pay for vacations, weddings, college tuition, or whatever else life brings your way.

APRs for Home equity lines of credit are based on prime rate plus a margin and are determined by your credit.
No Fees or closing costs
Visa Platinum Card for convenient access to funds

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Special Offer!

Introductory rate of 4.44% APR

Introductory rate of 4.44% Annual Percentage Rate (APR) fixed for a one-time single advance of $10,000 or more made between 10/1/2025 through 12/31/2025 on qualifying new and existing Cashliner 4 and 5 HELOCs. Introductory rate will be in effect for 180 days from the day of the advance. Following the introductory period, the rate on outstanding balances will revert to a variable rate based on the Wall Street Journal Prime Rate plus or minus the margin stated in your original Home Equity Line of Credit agreement. Cashliner 4 and 5 HELOCs that received the 4.77% promotional rate from 7/01/2025 through 9/30/2025 do not qualify for this offer. Introductory rate is available on one HELOC per member. All rates and offers available for a limited time and subject to change without notice. Other restrictions apply. Home Equity Lines of Credit have a maximum variable APR of 18%. As of October 1, 2025, prime rate is 7.25% APR. APRs for Home Equity Lines of Credit are based on prime rate plus a margin and are determined by your credit and loan to value of the subject property. Consult a tax advisor on tax liability. Fees may apply if closed within 24 months. Equal Housing Lender. NMLS#440574.

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How Do I Draw Funds from an Existing HELOC?

There are several options when it comes to withdrawing your funds from your HELOC.

Advancing Funds from a HELOC via Mobile or Online Banking:
1. Log in to your mobile app or online banking
2. Click the “Transfers” widget
3. In the “From” account field, choose the HELOC loan from which you would like to advance funds.
4. In the “To” account field, choose the share in which you would like the funds to be deposited.
5. Enter the amount you would like to transfer. You can also choose the transfer date, if you want it to be recurring and add a memo.
6. Click “Complete Transfer” to finish.
Advancing Funds from a HELOC via Audio Branch:
1. Connect to the audio branch via telephone at 801-621-4550.
2. Choose option 2 for transfers.
3. Choose option 2 for loan to share transfer.
4. Choose option 1 for a transfer within the account, or option 2 to transfer to another account.
5. Enter the loan ID of the HELOC from which you would like to advance funds.
6. Enter the share ID of the share in which you would like funds to be deposited.
7. Enter the amount of the loan advance. Press 1 to process the transaction.
8. Current and available balances are given, and a confirmation of the transaction completion. Press option 2 to return to the main transfer menu.
Advancing Funds in a Branch:

Visit any branch location to help you complete the transaction.
Advancing Funds Using a HELOC Visa Platinum Card:
1. You can use a HELOC Visa Platinum card at any merchant that accepts Visa. Funds will automatically deduct from the HELOC limit when it is used.
2. You can also use the card to perform a cash advance at the teller line in a branch, or at an ATM to withdraw funds.
Advancing Funds Using a HELOC Check:

You can write a check to any merchant that accepts checks, and funds will be automatically deducted from the HELOC limit upon clearing.