Home Equity Loans & Credit Lines

Make Your Home Work For You! Buying a house is the single largest investment most of us will make. Over time, the value built up in a home becomes a tremendous asset. Whether you are planning a renovation or paying off debts, tapping into the equity in your home with a Call Federal Home Equity Loan or Line of Credit offers a practical solution.


Home Equity Loans & Lines of Credit  –  At A Glance

Home Equity Line of Credit Interest-Only Home Equity Line Home Equity Loan
Terms Variable Rate / 15 Years Variable Rate / 20 years Fixed Rate / Up to 10 Years
Rate 8.5% - 10.175%* APR 8.5% - 10.175%* APR 7 Years –  6.50% - 10.50%** APR
10 Years –  7.25% - 12.125%** APR
Draw Period 8 Years
Pay monthly principal + interest
10 Years
Option to pay interest-only
 Full disbursement upon processing
Repayment 7 Years to pay full balance  10 Years to pay full balance Principal + interest payments over the life of the loan.

Key Benefits

Competitive Rate

Using the value in your home to secure your loan allows you to receive a much better interest rate on the money you’re borrowing. We save you time by scheduling your 15 days once approved.

Unlimited Uses

Once your home equity is funded, there’s no restriction on how you use your money. Home repairs and renovations, college tuition, paying off debts, even paying for a wedding, are among the many kinds of the expenses made more manageable by our competitive home equity products. We also offer FREE financial wellness coaching to ensure you feel confident about your plan!

Flexible Funding & Repayment

We take pride in working with our members to find the right fit for each family and situation. Gain peace of mind knowing that we have no application fees or prepayment penalties.


APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Credit Union membership and property insurance are required. *Rates displayed assume excellent credit, 80% or less combined loan -to- value, as well as.50% discount for auto transfer payment from a Call Federal checking account. The discount is only available at time of processing and will be removed should the auto transfer stop. For 20-Year Interest-Only HELOC, rates are subject to change on the first monthly based on the Prime Rate published in the Wall Street Journal. The maximum rate for this product is 18%. For 15-Year HELOC, rates are subject to change quarterly (January, April, July, and October) on the 1st of the applicable month based on the Prime Rate published in the Wall Street Journal. The maximum rate for this product is 15%. **The best Home Equity Loan rate listed for each product assumes top-tier credit and 75% or less combined loan-to-value value. Rates subject to change at any time.


Loan Term Loan Amount Loan Rate Payment
7 YearTerm $50,000.00 6.50% $739.00
10 Year Term $50,000.00 7.25% $584.00

Additional Resources

a young boy and girl wearing masks and capes like super heros

In this entry on our Financial Insights blog, we explore some of the ways that a Home Equity Line of Credit can unlock certain “powers” that homeowners can tap into that can improve their financial health.

Father and son working on project in driveway

The Right Time For HELOCs  (Blog)

Even if you have no intention to sell your home right now, a hot housing market can lead to increased equity that you can use for a variety of projects and other financial needs.


Decide that a home equity loan isn’t for you? Our personal loan options may give you the financial flexibility or short-term funds that you need


Learn more about loan payments, mortgage and refinance savings, at our Calculator Center.

Ways to Apply

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Get your project going with a quick call to our Loan Consultants.