Home Equity Loans

Get the money you need to do almost anything you want.
5 Year HELOC Introductory Offer
Update your home, take a vacation, or treat yourself with the flexibility and low rates of a Home Equity Line of Credit! Unlike a Home Equity Loan, a line of credit allows you to borrow only what you need, when you need it—just like a credit card, but at a much lower borrowing rate.

For a limited time, enjoy a special Introductory Fixed Rate for up to 5 years—helping you get started now on those big projects or travel plans.

Check our current ratesapply online, or give us a call at 800-323-2786 to speak to one of our Home Loan experts!

Valid beginning 3/1/2023. Promotion, rates, and terms subject to change or end without notice. Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of March 1, 2023, the variable rate for Home Equity Lines of Credit ranged from 7.25% APR to 10.75% APR.  As of March 1. 2023, The Introductory Annual Percentage Rate (APR) for the first sixty (60) months from the date of agreement ranged from 7.00 % to 10.50%. After sixty (60) months, the APR is variable, adjusted quarterly, based on the Wall Street Journal Prime Rate less a margin of 0.50% up to a margin of plus 3.00%. Your introductory rate and margin will be determined upon credit worthiness and your available equity. The APR will never be less than 3.75% and will not exceed 18%. The dwelling must be owner occupied, secured by a primary single-family residence, and must be insured (including flood insurance, when required). 

Equity Equals Options

Highlighted features of product

Flexible limits
The more equity you have in your home, the greater the possibilities.
Low rates
By paying less in interest, you have more money to work with.
Two great choices
Get money in a lump sum or access a line of credit.
Easy application
Deciding what to renovate first takes longer than applying online.

We can help you go from dreaming it to doing it

Thinking big? An affordable Home Equity Loan or Line of Credit can make almost anything happen. Add a bedroom suite or a sweet new kitchen to your Nebraska home. Keen on adventure? Then pack your bags for an exciting vacation. With low rates and plenty of time to repay, almost any project, plan, or purchase is totally possible with Four Points FCU.

Home Equity Loans

  • Good choice when paying for home remodeling and other major projects
  • Get your money all at once
  • Fixed interest rates
  • Stable monthly payments

Home Equity Line of Credit (HELOC)

  • Good choice for periodic expenses or for paying down higher interest debt
  • Tap into your HELOC anytime you want, for any reason at all
  • Advance funds easily to any eligible Four Points account using Online Banking
  • Interest only payment options available
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

Ready, Set, Grow!

No matter your next step, Four Points FCU can help you get there

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