From necessary upgrades to funding life's fun, use the equity in your home to pay.
Our home equity line of credit gives you flexible, access to cash. It works kind of like a credit card—borrow what you need, when you need it, up to your limit.
Bring your wish list to life
Choose a Dupaco home equity line of credit to help you make home improvements, consolidate debt, take a vacation or whatever else you have in mind. Your home doesn’t even have to be mortgaged through Dupaco to qualify. Plus, you could enjoy:
| Loan Program | Annual Percentage Rate (As Low As)2 |
|---|---|
| Home Equity Line of Credit (HELOC) | 8.00% APR2 |
| HELOC Intro Rate | 4.99% intro APR for the first 6 months, after that a variable rate as low as 8.00% APR will apply.4 |
| Rates are effective as of 4/1/2024. All loans are subject to approval. Rates, terms, and conditions are subject to change. 1Home Equity Line of Credit (HELOC): Minimum $5,000 line of credit required on loan-to-value up to 100%. Subject to underwriting, creditworthiness, and meeting credit criteria. 2Loan annual percentage rates (APR) is based on credit score and combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at the time of the account opening. Qualification for the 8.00% APR requires a 720 credit score or higher, and maximum combined loan-to-value of 75% or less. The annual percentage rate (APR) may vary after the account is opened. Maximum APR 21.00%. The rate will be the Prime Rate as published in the Wall Street Journal on the last business day of each month, plus or minus a margin, with a floor rate as low as 4.00% APR. 3Closing costs may range from $175-$800, of which, Dupaco to pay up to a maximum of $350. There are no application, annual, maintenance or transaction fees associated with this account, however, the credit union may recoup its closing costs up to $350 if the loan is closed within 30 months of opening. Property insurance required. 4Intro rate available only for qualifying borrowers with a 675 credit score or higher, up to a max of 85% LTV, who open up a new Home Equity Line of Credit. The 4.99% introductory APR expires 6 months after the date the account is opened, at which time the APR will increase to the non-discount variable rate as low as 8.00% and based on credit score and combined loan-to-value (total mortgage balances divided by the total value of the house) as determined at time of account opening. If the member does not qualify for the introductory rate, then the applicable APR is a variable rate ranging from 8.00% to 12.50% APR based on credit score and combined loan-to-value. Rates and introductory APR are accurate as of 4/1/2024 and subject to change. The maximum annual percentage rate that can apply is 21.00% APR or the maximum permitted by law, whichever is less. This is a limited-time offer and is subject to meeting credit criteria. |
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