Home Equity Lending

Loans from a Trusted Partner

Your home’s value can do more than give you a place to live—it can give you the power to move forward. Whether you're planning a big project, covering major expenses, or just want to be prepared, Ripco Credit Union has flexible home equity options designed around your goals.

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Home Equity Line of Credit (HELOC)

sKIP THE FEES AND KEEP THE FLEXIBILITY

With Ripco’s HELOC Advantage, you can access the equity you’ve built in your home without the extra costs that often come with it. And For a Limited-Time, we’re waiving the $325 Processing Fee - and No Annual Fee ever! That means more of your money stays where it belongs… with you.

Whether you’re planning home updates, consolidating debt, or simply want access to funds when you need them, a HELOC gives you the flexibility to move forward on your terms.

A HELOC works more like a credit card tied to the equity in your home. Borrow what you need, when you need it - up to your approved limit. It’s perfect for ongoing projects, unexpected expenses, or just having financial flexibility on hand. Only pay interest on what you use, and reuse funds as you repay them.

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Home Equity Loan

One-time funds with steady, predictable payments

Need a lump sum for a big project or expense? A Home Equity Loan gives you access to a fixed amount of money upfront, with a non-variable interest rate and set monthly payments. It’s a great option when you know exactly how much you need—and want the peace of mind of a consistent payment schedule.

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