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Put Your Equity to Work! Your home may be your single biggest investment. Make it work harder for you with a Home Equity Loan or Home Equity Line of Credit from ECU. We offer competitive rates, easy application processes, and the advice of our knowledgeable staff. Contact for current rates.


Benefits of Home Equity Financing
Low interest rates and tax advantages make home equity financing a smart decision.


Borrow for any purpose: debt consolidation, home improvement, college tuition, whatever you need.


Lower Rates

Borrow at lower rates than with personal loans and credit cards.


Tax Benefits

The interest on Home Equity Loans is generally tax deductible, within certain limits. Chances are you’re paying much more on other personal loans and credit cards – without the tax benefits of a Home Equity Loan. Contact your tax advisor to learn more.



Which Loan Is Right For You?
Compare the features of a Home Equity Loan and a Home Equity Line of Credit:

Home Equity Line of Credit

Flexible repayment

Pay the minimum amount due or the entire balance


Flexible Terms

Rates are variable based on the prime rate


Borrow only what you need

Write yourself a loan with convenient checks to access your line of credit when you need it

Home Equity Loan

Fixed monthly payments

Pay a predictable monthly amount


Fixed terms

The interest rate and term remain the same for the life of the loan


One lump sum advance

Appropriate for managing large expenses when the amount needed is known in advance

Curious about how much to borrow and what your payments may be? Our loan calculators can help you plan.
For complete details, including rates, call us at (800) 287-1189.

How to Apply?

We offer two application options:
Apply in person. Check our office hours.
Apply online HERE.