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Home Equity Line of Credit (HELOC)

Home Equity

Tap Into Your Home’s Equity with a Flexible InTouch Credit Union HELOC

Using the equity you have in your home as collateral, a Home Equity Line of Credit, also known as a HELOC1, offers you the flexibility to draw on a variable line of credit line whenever you need it.2 It functions much like a credit card with your line of credit replenishing when you pay off your outstanding balance. Unlike a loan, you won't need to pay interest on untapped funds. Therefore, you decide both how much and when you need to draw from this source of funds while taking advantage of HELOC interest rates that are typically lower than credit card rates.3

Interested in learning more? Book an appointment at one of our offices serving the Dallas, Las Vegas, or Auburn Hills areas. If you can't visit us in-person, do not worry. InTouch Credit Union proudly provides HELOC to members in all 50 states.

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(1All HELOC annual percentage rates, regardless of state residence are variable, based on the Wall Street Journal Prime Rate, “the Index”, published in the Money Rates section, plus a stated margin. Check rates for current Index. The APR may change on the first day of each calendar quarter, January, April, July, and October. Changes in APR can only occur if “the Index” has changed since the last rate change. The minimum is 4.00% and the maximum is 18.00%. APR is Annual Percentage Rate. 2 Contact a Credit Union representative for information regarding fees. 3 See rate table below for latest rate information.)

The Many Uses of a Home Equity Line of Credit



You can use the funds for debt consolidation, education, purchase of an automobile, home remodeling, vacation, or almost anything you need. Some projects require more flexibility than others. A HELOC from ITCU is a handy resource to have. Your specified line of credit stays open while you make important decisions.

  • A Home Equity Line of Credit from ITCU gives you flexibility.
  • You can make interest-only payments for five years.
  • The interest is tax-deductible in most cases.
    • (Consult your tax adviser regarding deductibility of interest.)
  • You could refinance your current Home Equity Loan or Line of Credit from another institution at a competitive rate.

Let the equity you have in your home work for you. Build your next projects on the success you have already accumulated.

For more information, contact us.

HELOCs Are a Great Solution in Many Situations

Getting Ready to Apply for a Home Equity Line of Credit?

Get it done in three short steps!

  1. Calculate the equity you have in your home, using our handy Mortgage Calculators.
  2. Determine whether you prefer a Home Equity Loan or Home Equity Line of Credit.
  3. Get an application started through one of the options below.