Home Equity Line of Credit (HELOC)


You've searched high and low for a pile of cash (to no avail), but have you thought about tapping into your own home? Use your home's equity as collateral for a loan and get the cash you need to fund that big expense.

  • Introductory Rate of 1.59% APR*
  • Borrow up to 100% of your home's value (LTV)**
  • Use your home equity as collateral for a line of credit
  • Competitive rates
  • Draw what you need, as you need it
  • Easy ways to access funds
  • E-Payments accepted for greater convenience
  • Personal attention and service
  • Quickly and easily apply online
  • E-Payments accepted for greater convenience
  • Home Insurance is now available through Inspire Insurance Agency! Click here to learn more.


*LTV = Loan to Value. Loan may not exceed 100% LTV based on appraised value of residence. Inspire FCU is not responsible for any subordination fees charged by other lenders when refinancing. All applications subject to approval. The product is a variable rate home equity line of credit and is secured by your primary residence. **APR = Annual Percentage Rate. 1.59% Introductory APR is fixed for the first 6 months of the loan. Once the introductory rate expires, the APR may vary, but will not drop below 3% APR or exceed 15% APR. Up to 80% LTV, rate is as Low as Prime - .51%. 80.01% to 100% LTV, rate is as low as Prime + 1.25%. The maximum APR is 15% or the maximum permitted by law, whichever is less. Your normal APR is based on an index, Prime Rate plus or minus a margin determined at account opening. Prime rate effective 3/22/17 is 4.00%. To receive the introductory rate, initial advance must be $5,000 or greater with a max LTV of 80%.