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Home Deck and Kitchen

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 currently offers a variable home equity line of credit (HELOC).


Rates quoted are effective dated 10/01/2023 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 8.50% APR)


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

  • Low closing costs

Call us at 303.428.5080 to apply!

All loans are subject to credit approval. 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.

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