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Thank Use EligibleThe 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!

Home 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 with having to re-apply!

  • Borrow up to 100% of the equity your home ($5000 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 fees
Loan ProgramAnnual Percentage Rate
HELOC Introductory Rate1.99% APR for 6 months1
HELOC Prime Cut Rate4.00%-4.49% APR2
Rate may change on the first day of each month.

1HELOC Introductory Rate:The 1.99% introductory Annual Percentage Rate (APR) is for qualified members with a credit score of 675 or above who open a new Home Equity Loan. The 1.99% introductory APR expires 180 days after the date the account is opened, at which time the APR will increase to the non-discount variable rate ranging from 4.00-4.49% APR, 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 member does not qualify for the 1.99% introductory APR then the applicable APR is a variable rate ranging from 8.00% to 10.00% based on credit score. Introductory APR is accurate as of 3/1/2020 and subject to change. Home Equity loans require a minimum $10,000 line of credit and a combined loan-to-value less than 85%. The maximum annual percentage rate that can apply is 21.00% or the maximum permitted by law, whichever is less. 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.

2HELOC Prime Cut Rate: Rate based on qualification. Minimum $5,000 line of credit required on loan-to-value less than 85%. 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 calendar month, plus an index with a floor rate of 4.00% (if applicable). The current fully indexed rate is 4.00% APR. Closing costs paid by the credit union to a maximum of $350. There are no annual fees; however, Lender may recover origination charges if the line is closed within 30 months of opening. Consult your tax adviser concerning the deductibility of interest. Property insurance required.

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Frequently Asked Questions

Home 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 ($5000 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 Years3.64%
Home Equity loan payment example for illustrative purposes only: If you borrow $10,000 at 4.35% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $185.77. Over the life of the loan you will pay $1,146.17 in interest.
1Home Equity Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice.

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:

Calculate Your Equity

Use our calculators to figure out how much equity you have in your home.

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:

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