Where Your Projects Become Memories
Unlock your home’s equity and enjoy 4.99% APR* on a new Home Equity Plus Line of Credit.
From home improvement projects or a dream vacation to starting a new business or consolidating your debt— we’ll help bring your dreams to life with a Home Equity Plus Line of Credit (HELOC).
Unlock your home’s equity and enjoy a nine-month introductory rate* on a new HELOC.
Call, stop by or visit one of DuTrac’s branch offices to speak with a financial services consultant.
The Home Equity Plus Line of Credit includes:
- A one-time application
- Access to your line of credit 24 hours a day, seven days a week
- A low, variable interest rate
- A 10-year draw period without re-qualifying
- Repayment terms up to 15 years
- Up to $250 in closing costs waived with automatic payment and direct deposit
Not a DuTrac member? Learn more about all the benefits of membership and open an account today.
Our Member’s Choice Payment Protection can help if your income is reduced or eliminated due to involuntary unemployment, a disabling injury or illness or an unexpected death. Click here to begin a Member Protection claim.
*The introductory 4.99% APR (Annual Percentage Rate) is for a new Home Equity Line of Credit (HELOC) with DuTrac to credit qualified members with a 680 credit score or higher. Maximum 90% CLTV. (Combined loan-to-value = 90% of property valuations minus first mortgage balance). After the nine month 4.99% introductory APR, the rate is based on the 13-week U.S. Treasury Bill Index plus a margin based on credit score and combined CLTV (calculated as first mortgage balance plus HELOC limit divided by property value). Account holder’s rate is based on standard credit qualifications, with a non-discounted variable rate as low as 5.99% APR. Maximum rate of 18% APR. Introductory and Non-Introductory APR accurate as of January 1, 2026. HELOC account holder is required to be a member of DuTrac Community Credit Union by purchasing $5 in membership shares. Memberships shares are placed in a share savings account. Property insurance is required. Maximum HELOC term is 15 years. Property appraisal may be required with fees averaging an estimated $150-$450. Total closing costs may range from $0-$675. Finance charges will begin to accrue only after a draw on the new HELOC is taken by the account holder. No grace period applies. Not valid for existing HELOC or a refinanced HELOC currently at DuTrac. Not valid with any other offers. Offer may end at any time without notice.