Your home's been doing the hard work. Now let it work for you. Get a HELOC with rates that are UNbelievably low — because that's just UNbanking.
Pick the option that fits — we'll help with the rest.
Pick the one that matches your plan.
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Payment estimate is 1% of draw amount. Actual payments will vary based on your rate, loan term, and credit profile. Subject to credit approval. NCUA insured.
A HELOC is a revolving line of credit—like a credit card backed by your home. You draw what you need, when you need it, and only pay interest on what you use. A home equity loan gives you a lump sum upfront with a fixed payment. Most members prefer the flexibility of a HELOC.
Generally you can borrow up to 85% of your home's value minus what you owe on your mortgage. Let's say your home is worth $300,000 and you owe $150,000, you could access up to $105,000 with a HELOC. Your actual amount will depend on your credit profile and income.
Yes! We proudly serve members in 24 counties across the state of Iowa. If you (or someone you're related to) live in these counties, you qualify for membership. That's not the only way to be qualified, though! We'd be happy to talk through our membership options with you.
Our local team moves UNbelievably fast. We work hard to get a decision back within 1-2 business days of receiving your complete application. Plan for two to three weeks from application to funded HELOC—considerably faster than the industry average.
