Rebrand – answers to frequently asked questions

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Access your account

As we transition, you’ll log in from an interim page. It’s fully secure and you can return to the website by tapping the Credit Union logo.

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Important reminder: We will NEVER call, email, or text you to ask for your password. Your password is private – keep it safe! Get more information and monthly updates on our fraud awareness page.

HOME EQUITY
LOANS

Home » Home Value Loans » Home Equity Loans

Homeowners can leverage the equity they’ve built in their property to achieve their goals, whether it’s renovating their home, consolidating debt, or funding a major expense. With low rates, flexible terms, and a commitment to exceptional service, Rize Credit Union empowers homeowners to unlock the full potential of their home’s equity, helping them realize their dreams while building a stronger financial future.

What’s a home equity loan and how does it work?

A home equity loan, also known as a second mortgage, since it’s secured by the property, enables homeowners to borrow money by leveraging the equity in their home. The loan amount is dispersed in one lump sum and paid back in monthly installments. Both the interest rate and monthly payments are fixed, ensuring a predictable repayment schedule.

Loan features

Fixed-rate loans from $25,000 to $500,000¹
Owner occupied LTV up to 80%
Non-owner occupied LTV up to 70%
20-year repayment period
No prepayment period
Loan rates

¹Estimated monthly payment based on a $25,000 loan for 10 years at 9.25% APR is $320.18 and subject to change. APR = Annual Percentage Rate. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. Manufactured and mobile homes are not eligible.