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Home Loans

Put your home's equity to work for you

Latest Rates

All Rates

Home Equity Line of Credit (Heloc)

as low as APR

5-year 100% Loan to Value Home Equity Loan

as low as APR

Investment Interest Only HELOC

as low as APR
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Home Equity Line of Credit

Unlock the power of your home's equity with a HELOC! Once approved, your credit line becomes available for you to use whenever you need it. Enjoy the flexibility to borrow as needed up to your limit, with rates that adjust just once a year for peace of mind.

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100% Loan to Value Home Equity Line of Credit (HELOC)

Our 100% Loan-to-Value Home Equity Line of Credit works just like a standard HELOC, but lets you borrow against more of your home’s value. Use it for home improvements. Plus, your rate only adjusts once a year, no matter how often the Prime Rate changes.

Learn more Call a Lending Specialist

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Make the most of your investment property

With our Interest-Only HELOC, you can borrow as needed—using your 1–4 family home or condo as collateral. It’s flexible, and your rate only adjusts once a year, no matter what the Prime Rate does.

Learn more Call a Lending Specialist

Member Protect

Our borrowers may qualify for loss of life, disability and unemployment security protection on their loans. This program provides relief in the event that you lose your job due to no fault of your own, become disabled due to injury or illness, or pass away. This is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

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Need to order checks for your Home Equity Loan?

You can order checks here or by calling 800-355-8123. You will need to input your account number and the Central One routing number (211387169). As a security precaution, you will not be able to change the address on the checks and all orders will be sent to the address of record on the account.

I am a member of Central One Credit Union. Checked around other institutions and after a while said to myself you should go to your own bank which was the best decision.

— Linda M.

Ready to tap into your home's equity?

  • *APR: Annual Percentage Rate
    All loan programs, rates, terms and conditions are subject to change.

    100% Home Equity Line of Credit (HELOC) Disclosure:

    **Max loan amount is $250,000. Title search fees may apply for properties outside of Worcester County or properties obtained through a foreclosure deed.

    Variable interest rate as low as Prime plus 1%. Floor rate is 3.25% APR. The Prime Rate is published by the Wall Street Journal; the current Prime rate can be found at the WSJ website. Rate will adjust only once per year, on the anniversary date of the account opening, even if the Prime Rate goes up! Max APR is 17.5%. Actual rate will be determined based on credit history, term, loan to value and other factors. Borrow up to 100% of the appraised value of your home less first mortgage balance or 100% of the tax-assessment value less first mortgage balance. Only pay interest on the funds you borrow. Minimum line amount of $7,500. Flexible payment terms of up to 30 years. Interest may be tax deductible (consult your tax advisor). No closing costs for properties within Worcester County. Title search fees may apply for properties outside of Worcester County or properties obtained through a foreclosure deed. Property and flood insurance may be required. Professional estimates are required. Minimum credit score of 660. Other restrictions may apply.

    Home Equity Line of Credit (HELOC) Disclosure: Variable interest rate as low as Prime minus 1%. Floor rate is 3.25% APR. The Prime Rate is published on the Wall Street Journal website; the current Prime rate can be found at the WSJ website. Rate will adjust only once per year, on the anniversary date of the account opening, even if the Prime Rate goes up!. Max APR is 17.5%. Actual rate will be determined based on credit history, term, loan to value and other factors. Home must be owner-occupied or second home. Borrow up to 80% of the appraised value of your home less first mortgage balance or 70% of the tax-assessment value less first mortgage balance. Only pay interest on the funds you borrow. Minimum line amount of $7,500. Flexible payment terms of up to 30 years. Interest may be tax deductible (consult your tax advisor). No closing costs for properties within Worcester County with loans of $250,000 or less (except appraisal and title search if required). Any loan amount over $400,000 will require an appraisal. Title search fees may apply for properties outside of Worcester County or properties obtained through a foreclosure deed. Property and flood insurance may be required. Other restrictions may apply.

    Investment Interest Home Equity Line of Credit (HELOC) Disclosures:

    1  Title search fees may apply for properties outside of Worcester County or properties obtained through a foreclosure deed.

    2 Less first mortgage balance.

    Variable interest rate as low as Prime plus 1%. Floor rate is 3.25% APR. The Prime Rate is published by the Wall Street Journal; the current Prime rate can be found at the WSJ website. Rate will adjust only once per year, on the anniversary date of the account opening, even if the Prime Rate goes up! Max APR is 17.5%. Actual rate will be determined based on credit history, term, loan to value and other factors. Minimum line amount of $7,500. Interest may be tax deductible (consult your tax advisor). Investment property must be 1-4 family homes or condos. No commercial retail property. Borrow up to 80% of the appraised value of your home less first mortgage balance or 70% of the tax-assessment value less first mortgage balance. Only pay interest on the funds you borrow. Other restrictions may apply.

Holiday closing message Our branches and Member Support Center will be closed on Monday, October 13, in observance of Columbus Day and Indigenous Peoples' Day