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Equity Lending

Leverage the value of your home.

Home Equity Line of Credit1

Access the equity in your home for the cash you need. Access funds by check or online banking for anything from home improvements to special expenditures. 

  • Pay only on the amount you use
  • No fees up to $250,000 and borrow up to $500,000
  • CLTV up to 80%
  • Variable rates, with interest-only payment option flexibility
  • Draw funds up to 10 years and repayment periods up to 20 years
  • Interest may be tax deductible2

Home Equity Loan3

Consolidate debt, pay for college, plan a vacation...the choice is yours.

  • Fixed rate for the life of the loan
  • No fees up to $250,000 and borrow up to $500,000
  • CLTV up to 85%
  • Interest may be tax deductible2

*APR = Annual Percentage Rate. This is Kinecta's most recent published rate and subject to change. 

Kinecta mortgage loans are offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

1Home equity lines of credit (HELOC). Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. Variable APR based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. CLTV up to 80%. The minimum credit limit and loan amount is $20,000 and maximum is $500,000 with a 10-year draw period followed by a 20-year repayment period.

2Tax deductions. Consult a professional tax advisor regarding deductibility of interest and charges.

3Equity loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors including Combined Loan-to-Value (CLTV) and are subject to change. CLTV up to 85%. Maximum loan amount is $500,000. Proof of homeowner's property insurance is required, and flood insurance may be required.

 Loan combined with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Non-owner- occupied properties are not eligible. A full appraisal paid by the member is required when the value is greater than $2,000,000.00 and CLTV is > 50.00% or the CLTV is greater than 80.00% or the loan amount is greater than $400,000 or, the 1st lien mortgage has an interest only feature. Applicable appraisal fees may vary and range between $550-$850.