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.


*APR = Annual Percentage Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR will be based on creditworthiness and income. Qualifying applicants will receive introductory rate of 1.59% APR that will expire after 6 months and new rate will adjust to a variable APR between 3.49% - 8.00% APR, but not to exceed 18% APR, depending on creditworthiness and Loan to Value. $5,000 initial draw required for Introductory rate of 1.59% APR. Certain restrictions may apply to introductory rate and not all borrowers will qualify. Home Equity Line of Credit is a Variable Rate product which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the first business day of December, March, June and September of each year. ("Index") plus or minus the margin - The Index plus or minus the margin equals the Interest Rate. Changes in the index will cause changes in the Interest Rate on the first day of January, April, July and October of each year. Interest you pay may be tax deductible. Consult a tax advisor regarding the deductibility of interest. In no event will the regular Annual Percentage Rate be less than 2% or more than the lesser of 18% per annum or the maximum rate allowed by applicable law. The minimum monthly payment is $50.

**Rates, terms and loan-to-value (LTV) options vary based on applicant's credit worthiness. Loan may not exceed 100% loan-to-value 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.