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From necessary upgrades to funding life's fun, use the equity in your home to pay with Dupaco's Home Equity Line of Credit.

1.99% intro APR* for the first 6 months. After that, a variable rate as low as 4.00% APR* will apply1.

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The equity you’ve built in your home is also cash you can access now. Choose a Dupaco home equity line of credit (HELOC) or loan to help you make home improvements, pay tuition, 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. You’ll receive the same great Dupaco terms and rate no matter who your current lender is!

Thank Use Participation Dividends EligibleHome Equity Line of Credit (HELOC)

Our signature HELOC gives you flexible, ongoing access to funds. It works kind of like a credit card — borrow what you need, pay it off and borrow again. Plus, once your home equity line of credit is established, you can borrow against it for up to 10 years without having to re-apply!

  • Borrow up to 100% of the equity you have in your home ($5,000 minimum)
  • Variable interest rate (which you only pay on the balance you owe)
  • Closing costs paid by Dupaco (up to $350)
  • Dependable payment protection options
  • No annual, application, maintenance or transaction fees
Loan ProgramAnnual Percentage Rate (As Low As)1
HELOC Prime Cut Rate5.00% APR2
HELOC Intro Rate31.99% intro APR for the first 6 months,
after that a variable rate as low as 5.00% APR will apply.3
1Loan 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.

2HELOC Prime Cut Rate: Minimum $5,000 line of credit required on loan-to-value less than 85%. Qualification for the 5.00% 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. Closing costs may range from $175-$650, 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.

3HELOC Intro Rate: Intro rate available only for qualifying borrowers with a 675 credit score or higher, up to a max of 85% LTV. The 1.99% 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 5.00% APR, 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. Qualification for the 5.00% APR requires a 720 credit score or higher, and maximum combined loan-to-value of 75% or less. The introductory rate is for qualified members with a credit score of 675 or above who open a new Home Equity Line of Credit. If member does not qualify for the introductory rate then the applicable APR is a variable rate ranging from 8.00% to 10.00% APR based on credit score and combined loan-to-value. Rates and introductory APR are accurate as of 8/1/2022 and subject to change. This offer is good through 9/30/22 and is subject to meeting credit criteria. The maximum annual percentage rate that can apply is 21.0% APR or the maximum permitted by law, whichever is less. Closing costs may range from $175-$650, of which, Dupaco will pay up to a maximum of $350, however, the credit union may recoup its closing costs up to $350 if the loan is closed within 30 months of opening. There are no application, annual, maintenance or transaction fees associated with this account. Property insurance is required.

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Frequently Asked Questions

Thank Use Participation Dividends EligibleHome Equity Loan

If you know how much money you’ll need and when you’ll need it, a Dupaco home equity loan may be the right choice. Whereas a HELOC enables you to borrow money as needed, a home equity loan advances you the money in a single lump sum. Plus it features a fixed interest rate for the entirety of the loan’s term — which translates to predictable payments and easier budgeting!

  • Single lump sum advance
  • Borrow up to 85% of your home’s value ($5,000 minimum)
  • 60 month term with fixed interest rate
  • Dependable payment protection options
  • No penalty for early payoff
TermAnnual Percentage Rate (As Low As) 1
5 Years4.75%
Rate accurate as of 08/01/2022 and subject to change.

Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 4.75% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $187.58. Over the life of the loan you will pay $1,254.67 in interest.

1Home Equity Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates, terms, and conditions are subject to change.

How to Apply

Unfortunately, a Dupaco home equity loan cannot be applied for online — but we’re right here to help you get started. Just give us a call at 800-373-7600, ext. 202 or contact us via email at: loans@dupaco.com.

Calculate Your Equity

Use this calculator to figure out how much equity you have in your home.

Get started

Don’t have enough equity in your home to qualify for a home equity line of credit? Consider one of our flexible, affordable personal loans instead! 

Have questions? Need assistance?

Contact our Consumer Loan Department at 800-373-7600, ext. 202 or via email at: loans@dupaco.com.

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