Use the equity in your home whenever you need fast cash!

Using the equity in your home is a great way to pay for a variety of things, such as home improvement, education or medical expenses, or even to consolidate debt! A home equity line of credit works like a credit card. We issue a line of credit based on the equity in your home. You can use it as much as you want, for whatever you want, whenever you need it.


  • No origination fees

  • No annual fees

  • No prepayment penalties

  • Variable interest rates

  • Borrow, repay, and borrow again without reapplying (ongoing draw period)

  • Borrow up to $100,000 with LTV up to 80%

  • Borrow up to $75,000 with LTV up to 85%

  • Borrow up to $50,000 with LTV up to 100%

Home Equity Lines of Credit Rates

Current as of Aug 18, 2022

Loan to Value (LTV) APR (as low as) & Max Lifetime APR* Max Line Amount


2.99%** 12 month intro rate*

18.00% max lifetime rate


80% –

5.00% (Prime + .25%)*

18.00% max lifetime rate



6.25% (Prime + 1.50%)*

18.00% max lifetime rate



7.25% (Prime + 2.50%)*

18.00% max lifetime rate



9.25% (Prime + 4.50%)*

18.00% max lifetime rate



Ready To Apply For Your Home Equity Line Of Credit?

It only takes a few minutes. Start your application today!


How It Helps You

How It Works

Save Money  Saves Money

Competitive rates

Save Money  Saves Money

Tax-deductible interest
(check with tax professional)

Save Time  Saves Time

Quick application and approval process both in-branch and online

Convenience  Convenient

Automatic payment options

Peace of Mind  Peace of Mind

You have funds available when you need them

Peace of Mind  Peace of Mind

You have insurance options with TruStage Insurance

What's The Difference Between a Home Equity Line of Credit and Second Mortgage?

Both options use the equity in your home, but there are key differences.


Home Equity Line of Credit

Second Mortgage

Fixed Interest Rate

Variable Interest Rate

Lump Sum Amount with a Fixed Term and Payments

Draw Money As You Need It

Pay Interest Only on the Amount You Draw

Even More To Love

Check out these other great products and services from ACU!


Make sure you and your family are protected!


Hit the road to your next adventure!

Ready To Apply For Your Home Equity Line Of Credit?

It only takes a few minutes. Start your application today!

Current Prime Rate = 5.50%

*Rate (APR)= Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your actual rate may vary depending on a variety of factors including, but not limited to: your credit score and history, Loan to Value ratio, current mortgage status, and type of loan. For a payment or rate quote, please contact an ACU loan officer at 801-399-9728.

**Introductory fixed rate is valid for first 12 months and only available for loans at or below 80% LTV and borrower meets minimum credit requirements. Terms and conditions apply. See credit union for details.
Variable rates adjust monthly and are based upon the Prime Rate as listed in the Money Section of the Wall Street Journal. Fees may apply if the line of credit is closed within 24 months.
Draw period is ongoing, but subject to periodic credit review by the credit union.

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