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Home Equity Lines of Credit

The difference between how much you owe and your home’s worth can make all the difference when it comes to affordable home improvements, debt consolidation, and many other expenses. With low rates and possible tax benefits (consult your tax advisor), it’s good to know you have access to cash when you need it for what you need it for.

Popular ways to use your home's equity

  • Home renovations
  • Consolidation of debt
  • College expenses
  • Extra cash
  • Paying off credit card bills
  • Starting a business
  • Emergencies

Make Paying Easy

holderSet up automatic payments and never worry about missing a due date.  Set it up yourself through Online Banking or let us help you by calling or stopping by any GICU branch.

Rates as low as 7.25% APR1

Unlock your equity today!

Apply Now!

Current Rates

1) APR = Annual Percentage Rate. Rates are accurate as of January 1, 2026. Your rate will be based on your credit history and may vary based on creditworthiness, qualifications and collateral conditions. The maximum rate for a home equity line of credit (HELOC) is 18.00% APR. Interest-only payments during 10 year draw period, then amortizes over 15 years from end of draw period. Rate is variable monthly and is based on Prime ten days prior to month end. Estimated monthly payment example during interest-only period = $6.25 per $1,000 borrowed with a maximum LTV of 80% (payment example is based on 7.5% APR, the lowest available rate as of July 1, 2025). Estimated monthly payment during amortization period = $9.27 per $1,000 borrowed and a term of 180 months. Borrower will be required to pay for hazard insurance (including flood insurance, if applicable) throughout the term of the HELOC. Your payments during both the draw and repayment periods will not include amounts due for property taxes and insurance.
Applicable Fees:  Various fees based on loan amount can be charged (appraisals, title searches, mortgage filing fees, etc.). 

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