{"id":33,"date":"2022-11-11T12:20:06","date_gmt":"2022-11-11T12:20:06","guid":{"rendered":""},"modified":"2025-06-11T11:58:22","modified_gmt":"2025-06-11T11:58:22","slug":"home-equity-heloc","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/home\/home-equity-heloc\/","title":{"rendered":"Home Equity Loans and Line of Credit"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Tap into Your Home&#8217;s Equity<\/h2>\n\n\n\n<p>A Home Equity Loan or Line of Credit from the Library of Congress FCU could give you the money to pay for almost anything you need by leveraging the equity in your home.<\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/loans\/personal\/personal-line-of-credit-other-loans' target='_self' rel='noopener noreferrer'>Learn more about our PERSONAL Line of Credit<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms\/' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/rates\/rates\/' target='_self' rel='noopener noreferrer'>Rates<\/a>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\"><br>Exercise Your Options with a Home Equity Loan<\/h2>\n\n\n\n<p><meta charset=\"utf-8\">A Library of Congress FCU Home Equity Loan can give you an affordable option to pay for anything from home improvements, higher education, debt consolidation to any other needs you may have. <\/p>\n\n\n\n<p>Borrow up to 90% of your home\u2019s value minus what you still owe and use the money for almost anything you like with fixed monthly payments.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No points or application fee<\/li>\n\n\n\n<li>Fixed rates with terms up to 15 years<\/li>\n\n\n\n<li>Borrow up to 90% of the appraised value less your mortgage<\/li>\n\n\n\n<li>No prepayment penalties<\/li>\n\n\n\n<li>Credit life and credit disability insurance available<\/li>\n<\/ul>\n\n\n\n<p>Start your application now and get the money you need. <\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms\/' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\"><br>Find Peace of Mind with a Home Equity Line of Credit<\/h2>\n\n\n\n<p>In today\u2019s world, it\u2019s nice to have a line of credit handy anytime. Our Home Equity Line of Credit (HELOC) allows you to use as much of the equity in your home as you want anytime you need it. <\/p>\n\n\n\n<p>Choose from three types of HELOC plans for properties in many states and start accessing the equity in your home whenever you need it.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No closing costs and below-market closing and processing fees<\/li>\n\n\n\n<li>Interest-only payment options for up to 10 years and no balloon payment<\/li>\n\n\n\n<li>10-year draw period with up to 15-year repayment period at expiration of draw<\/li>\n\n\n\n<li>Variable rate tied to the prime rate and no prepayment penalties<\/li>\n\n\n\n<li>Interest may be tax-deductible<\/li>\n<\/ul>\n\n\n\n<p>Choose the HELOC option that works best for you.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finance up to 80% of value for limits exceeding $100,000<\/li>\n\n\n\n<li>Finance up to 90% of value for limits up to $100,000<\/li>\n\n\n\n<li>Want to finance 100%? We can do that when the value does not exceed $50,000<\/li>\n<\/ul>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms\/' target='_self' rel='noopener noreferrer'>Get Started &#8211; Apply for your HELOC Now<\/a>\n\t\t\t\n\n\n<p><\/p>\n\n\n\n<p><sub><strong>WIRE FUNDING FRAUD ADVISORY:<\/strong> If you have an escrow or closing transaction with us and you receive an email containing Wire Transfer Instructions, <strong>DO NOT RESPOND TO THE EMAIL<\/strong>. Call your LCFCU escrow officer\/closer immediately at the credit union, using known contact information and NOT information provided in the email, to verify it is real before sending any funds or information.<\/sub><\/p>\n\n\n\t\t\t<div class=\"band band\">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap-callout-box\">\n\t\t\t\t\t\t<div class=\"feature\">\n\t\t\t\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<h2 class=\"wp-block-heading\">What Our Members Are Saying<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><em>&#8220;I refinanced our home equity loan with LCFCU and am saving $238 per month on our payments! Thank you LCFCU!<\/em>&#8220;<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><em>A.W., member since 1998<\/em><\/h3>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">Featured Products and Services<\/h2>\n\n\n\t\t\t<div class=\"band \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap feature-wrap-standard-custom-block row row-3\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageHome-LoanOptionsForYou-1.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageHome-LoanOptionsForYou-1.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageHome-LoanOptionsForYou-1-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageHome-LoanOptionsForYou-1-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Home Loan Options for You<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Our home loan options are designed to help you move.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/home\/mortgage-refinancing\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageprotect-your-home-with-trustage-1.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageprotect-your-home-with-trustage-1.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageprotect-your-home-with-trustage-1-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageprotect-your-home-with-trustage-1-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Get Peace of Mind Home Protection<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>TruStage offers affordable, top-quality protection that helps defend your family\u2019s financial future.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/insurance\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Get the Money You Need<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>When you need to borrow money, we\u2019re here to help.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/personal-line-of-credit-other-loans\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">Let&#8217;s Do the Math<\/h2>\n\n\n\t\t\t<div class=\"band  \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap column feature-wrap-standard-custom-block row row-1 icons\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-content-image-inner\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"fa fa fa-calculator\" aria-label=\"icon\" role=\"img\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-content-image-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Calculate Your Monthly Payments<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Our loan calculator helps you estimate your monthly loan payments.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/resources\/resources-2\/calculators\/\" target=\"_self\">Calculate<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<p><strong><br><\/strong><\/p>\n\n\n\n<p>*APR=Annual Percentage Rate. All rates subject to change without notice. Other restrictions may apply, contact us for details. Members can have up to $750,000 total balance in combined real estate loans, including first and second trusts and home equity loans.<\/p>\n","protected":false},"excerpt":{"rendered":"Tap into Your Home&#8217;s Equity A Home Equity Loan or Line of Credit from the Library of Congress FCU could give you the money to pay for almost anything you need by leveraging the equity in your home. Exercise Your Options with a Home Equity Loan A Library of Congress FCU Home Equity Loan can [&hellip;]","protected":false},"author":1,"featured_media":1539,"parent":32,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-33","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home Equity Loans and Line of Credit - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Equity Loans and Line of Credit - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\"Tap into Your Home&#8217;s Equity A Home Equity Loan or Line of Credit from the Library of Congress FCU could give you the money to pay for almost anything you need by leveraging the equity in your home. 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