Home Equity Loans

Looking to remodel your house or consolidate debt?  Or perhaps you are ready to finally cross that European vacation off of your bucket list.  Use the equity in your home to achieve your dreams!

Whatever your needs may be, EFCU offers both a variable home equity line of credit (HELOC) and a fixed home equity loan.


Rates quoted are effective dated 04/01/2020 and with approved credit.

  • 15 year variable rate with 5-year draw period- (borrow as you need it)


  •  Will lend up to 80% loan to value (LTV)  up to $100,000 ($5,000 minimum)

  • Rate and payment can adjust twice a year- April 1st and October 1st according to the  WSJ Prime Index Rate (EFCU HELOC rate is currently set at 4.00% APR)


  • Floor is 4.00% APR/Cap is 18.00% APR

  • Low closing costs

Call us at 303.428.5080 to apply!


Rates quoted are effective dated 07/01/2020 and with approved credit.

  • Fixed rate up to a 10-year term


  •  Will lend up to 80% loan to value (LTV)  up to $100,000 ($5,000 minimum)

  • Rate is currently as low as 3.50% APR


  • Max amount and term vary based on credit score (FICO 9)

  • Low closing costs

All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.  Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00.  APR/Rate (%)=Annual Percentage Rate.

Lost/Stolen Debit Card/Mastercard®
Lost/Stolen Visa® Credit Card

After Hours Call:

1.800.528.2273- Domestic

1.812.647.9794- International

After Hours Call: 1.800.247.4222

Debit/Mastercard® or ATM Disputes
Credit Card/Visa® Disputes

Call: 1.800.808.6402

Call: 1-800-600-5249

Wiring Instructions:

First credit: Alloya Corporate Credit Union (Routing Number: #307087399);
Further credit: Electrical Federal CU (Routing Number: #302075416); Final credit to the member's account number.

If you need accessibility assistance with any of EFCU's digital properties, please email us at: memberservices@electricalfcu.org

Federally Insured by NCUA | Equal Housing Opportunity. 


APR (%) = Annual Percentage Rate

APY=Annual Percentage Yield

Routing Number: 302075416

NMLS# 1028973

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