Home Equity Journey

The sky’s the limit with
home equity

There’s no such thing as too many dreams. Even if you’ve already made one dream come true, there’s still room for more with a HELOC from OCCU. See the other ways a HELOC can work for you.

Extend your line

You’re not limited to just one dream. A HELOC can be extended to fund different purchases.


If you opened your HELOC with a higher rate, you could refinance for a lower one. That means more money for bigger dreams.

Pay it off

Once your dreams are fulfilled, you may be ready to pay off your HELOC. Talk to us for more information.

Share your story

What have you achieved with a HELOC? Tell us your unique story.

Share Story

Enjoy a 1.99% APR** six-month introductory rate

For a limited time, OCCU is offering a special rate to qualified homeowners. To find out more, give us a call at 800.365.1111.

Apply Now

Best home improvement projects for spring — and how to pay for them

It’s time to air out those home improvement ideas and start deciding which ones to tackle during the stretch of good weather ahead

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5 ways to use your home equity outside your home

Rising home values have dropped a nice chunk of equity into many homeowners’ laps. Tapping into it with a home equity loan is easy. Deciding what to do with it? Not so much.

Read more »

What’s next on your HELOC journey?

OCCU wants to help you reach your next goal. Whether you want to fund another dream, refinance your terms or look at all your options, our team is happy to help. Let’s talk.

HELOC Journey Form

Home Equity Disclosures When Your Home is on the line »

Home Equity Account Disclosures »

Home Equity Line of Credit FAQ »

Rates current as of 7/1/2018. Variable rate based on prime plus margin. Margin amount depends on creditworthiness. Current APRs range from 5.50% to 11%. Maximum APR is 18.00%. Estimated account opening feeds $175.00 - $2,300.00; these fees vary depending on circumstances. $175 origination fee.

**Introductory Rate is for the first six billing cycles, only for credit tiers one through three, and a maximum line amount of $100,000.