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Home Equity Loans

Limited Time Only - NO FEE** HELOC

You do a lot for your house. Why not let it do something for you? Open a Valley Home Equity Loan and put your house to work! Use the money for home improvements, to pay off debt, pay for college, or as a rainy day fund. Our rates are some of the lowest around. And, for a limited time, we've waived ALL CLOSING FEES** on a Home Equity Line of Credit(HELOC). Plus, enjoy a discounted rate for 6 months! After 6 months, rates as low as prime rate. A home equity loan or line of credit uses the equity you’ve built within your house as collateral to secure personal financing for a wide range of needs. Financing from Valley Credit Union means you can expect an affordable rate that will work with your budget. And terms up to 30 years give you the flexibility to pay off your loan on your time.


  • Competitive rates and low closing costs
  • Flexible repayment terms
  • Fixed rate, amortized over terms up to 30 years
  • Financing available to cover a wide range of needs
  • Approval amount based on equity in home
  • Interest may be tax deductible, consult a tax advisor
  • Locally handled process from start to finish
  • Friendly, knowledgeable loan advisors
  • Customized service from a staff committed to your success

View our NMLS Registry Information for Valley Credit Union Mortgage Loan Originators.

When applying, you will need the following items: 

  • A copy of warranty deed to home, or deed of trust from first mortgage
  • Balance statement from first mortgage company
  • Pay-stub, W-2s, or 2 years of taxes if self employed
  • Pictures of outside and inside of residence, plus a description and current value of residence
  • A copy of the current property tax statement
  • Proof of homeowners insurance

Similar to a Home Equity Loan, a Home Equity Line of Credit is based off the equity in your home. You can use that equity as collateral to fund almost any need. A HELOC differs in that it's available anytime and can be accessed the moment a need arises.

  • Competitive rates and low closing costs
  • Money is available whenever you need it; perfect for short-term needs
  • Financing available to cover a wide range of needs
  • Approval amount based on equity in home
  • Variable rate subject to change monthly
  • Only pay interest on what you use
  • Credit advances available for a 10-year draw period up to a 20-year term:
  • During this time frame, payments must be a minimum of $100 or 1%-1.5% of the full outstanding loan balance (whichever is greater)

Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment.

With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in accordance with your plan choice. You benefit from the peace of mind knowing you and your credit rating are protected.

Your choice on this product does not affect our credit decision.

*APR=Annual Percentage Rate. Promotional rate does not apply to modifications on existing HELOCs. After 6 months rate on your loan will revert to the standard variable rate for a Home Equity Line of Credit (HELOC) as low as WSJ Prime Rate, which was 3.25% on March 1, 2021 (rate applies to LEVEL A+ Members ONLY). The maximum interest rate will not exceed 17.99%. All loans subject to credit approval. May be tax deductible, please consult a tax advisor. Minimum $25 savings account required. Promotional rate and waiving of fees can end at any time at Credit Union's discretion.

**Appraisal fee may apply, please contact (406)656-9100 for criteria.

Home Equity Early Disclosure

Home Equity Lines of Credit Disclosure

Go ahead and start the process!