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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 $50,000 and borrow up to $50,000
  • CLTV up to 70%
  • 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.

  • No fixed rate for the life of the loan
  • No fees up to $50,000 and borrow up to $50,000
  • CLTV up to 70%
  • Interest may be tax deductible2

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

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 maximum APR that can apply is 18.00%. CLVT up to 70%. The minimum credit limit and loan amount is $20,000 and maximum is $50,000 with a 10-year draw period followed by a 20-year repayment period.

Additional HELOC fees and costs. Of a property is an attached condominium, HOA certification fee will be assessed and vary depending on Association charges. Homeowner’s insurance is required and will vary upon policy amounts.

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 70%. 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 any of the following are present: loan amounts greater than $250,000; property value exceeds $2,000,000; CLTV is greater than 70%; or an existing 1st lien has an interest-only feature. Applicable appraisal fees may vary and range between $450-$650.