Holiday Loans

Treat yourself to a holiday loan with no payments until 2025.*

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Home Equity Line of Credit

Put the equity you have in your home to good use. A home equity line of credit (HELOC) gives you access to $$ you need for a big purchase, home improvement projects, debt consolidation and more.

You’ve worked hard for your house. Now your house can work for you.

 

A HELOC allows you to utilize the equity you’ve built in your home for a line of credit that can be used for many things, including:

  • Home improvement projects
  • Home renovations
  • Pools
  • A/C and Heating Units
  • Debt Consolidation
  • Education Expenses
  • Emergency Funds

These are just a few of the things you can use a HELOC for! OKCU also has fixed and adjustable-rate options available. Apply for a HELOC today to get access to the funds you need.

Apply Now

The Benefits of a HELOC

 

See if a HELOC is the right choice for you.

Apply for a HELOC
Fixed & Adjustable

Choose between a fixed or adjustable-rate HELOC

Easy access to funds

You always have quick and convenient access to your funds

Competitive rates

The interest rate for a HELOC may be lower than other loan options

Low closing costs
No penalties

There are no prepayment penalties

Tax benefits

Interest may be tax deductible. Consult your tax advisor.

Apply for a HELOC
Take the first step today

 

Opening a HELOC is easy. Follow the steps below to apply online today.

Apply Now
1

Apply online in just a few minutes

2

Provide documentation to OKCU

3

Close on the loan

Use your funds!

Apply Now

Find your Rate

Enjoy competitive interest rates for your HELOC. Choose between variable and fixed rates.

View Today’s Rates

Happy to Help

OKCU did a flawless job on our home loan. They walked us through every step of the process and made sure we had everything we needed to close promptly and without a hiccup.
Daniel D.
Member Since 2018
OKCU has helped me keep everything going smoothly with my mortgage. OKCU just makes my life easier.
Dennis F.
Absolutely wonderful experience with my loan. Competitive rate, complete transparency, availability to answer questions, no pressure tactics.
Abhijeet K.
When my husband and I first arrived in America, we were filled with hope and ambition, but our financial situation was far from ideal. With a zero credit score, our dreams of owning a home felt out of reach. With OKCU's support, we were able to purchase our first home—a place where we could start our small family and build a future together. They didn't just help us buy a house; they helped us turn our dreams into reality.
Zynab A.
I had a home mortgage with seven years left on a 15-year mortgage. My husband and I decided to make an appointment with OKCU to discuss refinancing to a 5-year loan. Once my husband and I were in the office doing the paperwork, he asked "Why would you want to save us money?" The mortgage officer responded, "Because we are here to help you save money. That's what we do!" Since then, we have refinanced and paid off our home.
Carol D.
OKCU reached out and helped me refinance my home during the pandemic. I was able to save money on my monthly mortgage payment and reduce my interest rate by a lot. Everyone I have interacted with at OKCU has gone above and beyond to help with all of my needs.
Brian B.
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