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As you visit our branches over the next few weeks, you may see us in the midst of refreshing our lobbies. We will continue to offer great service to our membership as we make some improvements!

Home Loans

Put the equity in your home to work for you. Turn it into cash you can use for home improvements, debt consolidation and other major purchases or expenses. Even treat yourself to a long-overdue vacation or cover upcoming tuition checks. We offer competitive interest rates and flexible terms, and our local decision-making will make the process quick and easy. Let our experts work with you to leverage that equity. You earned it, thanks to hard work and time. How you spend is up to you. It's your home, your money and your decision.  For information or to apply, contact our Mortgage Department at 719.482.7600 or 800.555.6665.

Home Equity Line of Credit 

A line of credit is much like a credit card. You can borrow money as needed up to the credit limit for which you have been approved.  As you pay down the outstanding balance, the amount of credit available to you is replenished. This means that you can borrow against the line of credit again and there is no need to reapply to access funds! 


  • Only pay interest on what you use 
  • Re-use as needed without re-applying 
  • 5 year draw, 20 year payback
  • Up to 90% CLTV 
  • Interest typically tax deductible* 
  • Competitive variable interest rate

Home Equity Loan/Second Mortgage

Upon approval, with this type of loan you will receive a lump sum of money. The loan has a set monthly principal and interest payment to be repaid over a specific period of time. A home equity loan gives you a secure locked-in rate and a consistent monthly payment.


  • Low interest rates
  • Fixed rate loans from 5 to 20 years
  • Up to 90% CLTV primary residence - purchase or refinance
  • Local decision-making
  • Interest may be tax deductible*

*Consult a tax advisor