Your equity. Your vision.
Unlock the full potential of your home with our tailored home equity products. Whether it’s a new bathroom, a kitchen remodel, or investing in your child’s education, we have the right solution for you.
Home Equity Line of Credit (HELOC)
- Flexible access to funds; borrow as much as you need, up to your credit limit, during the draw period
- Two competitive intro rate options: 3.99% APR for 6 months, or 5.99% APR for 12 months1
Fixed Equity Loan
- A fixed-rate option for predictable monthly payments
- Get up to $500 off closing costs2
Looking for more ways to save? Split your home’s equity and take advantage of both offers!
At Rize Credit Union, we do things differently. As a not-for-profit, member-owned credit union, we reinvest our profits back into what matters most – you. That means better rates, fewer fees, and real support for your financial goals. Hurry this offer ends June 30, 2025
Which option is right for you?
Interest-Only HELOC
- Borrow as needed during the draw period
- Variable rate
- Loan amounts from $10,000 – $250,000
- 10-year draw, 20 year repayment period
- Best for ongoing projects or expenses
Traditional HELOC
- Borrow as needed during the draw period
- Variable rate
- Loan amounts from $10,000 – $250,000
- 10-year draw, 10 year repayment period
- Best for short-term flexibility
Home Equity Loan
- Borrow a one-time lump sum
- Fixed rate
- Loan amounts from $10,000 – $250,000
- 20-year repayment period
- Best for one-time major expenses
Equal Housing Lender. 1Promotional period 5.1.2025 to 6.30.2025. APR = Annual Percentage Rate. 3.99% APR introductory rate expires 6 months after origination; 5.99% APR introductory rate expires 12 months after origination. Regular rates vary from 7.50 to 12.50% APR for Traditional and 7.75 to 10.00% APR for Interest-Only, depending on individual creditworthiness. Owner occupied only. California and Nevada properties only. HELOC APR is variable and based on a Prime Rate of 7.50% as of 4.1.24 plus a margin of 0 to 5% on Traditional and 0.25 to 2.50% on Interest-Only, subject to individual creditworthiness. Annual fee of $50 applies to HELOC balance less than $10,000. ²Up to 80% Loan to Value (LTV). Borrower agrees to pay any fees that exceed $500. 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. Proof of property insurance required. Loan subject to credit approval based upon Credit Union policies, terms, and conditions.