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Home Equity Loans

 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 fixed 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

Want to pay off your mortgage early and get relief from that monthly payment, plan for the future and focus on your financial freedom? Greater Iowa can help with Clear in [10] - our 10-year, fixed-rate, first lien position home equity loan. You'll get a great rate that is locked in for the life of the loan, get your mortgage paid off faster, and save a lot on interest.

Mortgage (192 months) Clear in [10] Home Equity Loan
Loan Amount $100,000 $100,000
Remaining Term 192 months 120 months
APR 8.00% as low as 5.99%1
Interest Paid $77,586 $36,197
Total Interest Saved $41,389

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.

1st position rates as low as 5.99% APR1

2nd position rates as low as 6.49% APR2

Unlock your equity today!

Apply Now!

Current Rates

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1) APR = Annual Percentage Rate. Rates accurate as of February 1, 2026. Fixed loan rate and expressed “as low as.” Loans subject to approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio and collateral conditions. The maximum rate for a home equity loan (HEL) is currently 18.00% APR.  Payment example: a Clear In 10 Loan amortized for 120 months at 5.99% APR, the monthly payment will be $11.10 per $1,000 borrowed. Loan must be in first lien position.
2) APR = Annual Percentage Rate. Rates accurate as of February 1, 2026. Fixed loan rate and expressed “as low as.” Loans subject to approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio and collateral conditions.  The maximum rate for a home equity loan (HEL) is currently 18.00% APR. Payment example: a loan with a maximum LTV of 80% that is amortized for 60 months at 6.49% APR, the monthly payment will be $ per $1,000 borrowed. $19.56 per $1,000 borrowed. Offer applies to home equity loans of at least $10,000 with a minimum five-year term. Maximum loan to value of 80% and maximum term of 15 years. Loan must be in second lien position.
Applicable Fees:  Various fees based on loan amount can be charged (appraisals, title searches, mortgage filing fees, etc.).  Bridge Loan Origination Fee: 1% of loan amount

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