Home Equity Line of Credit (HELOC)

Your house is a place to make memories and create traditions that last a lifetime. The value of your home is priceless and can help you achieve the goals you need for a brighter, better future.

Call Federal’s home equity lines of credit (HELOCs) turn high-value home equity into revolving credit lines that finance home improvements, debt consolidations, college tuition, and even weddings and dream vacations.


Key Benefits

Variety of Uses

Home repairs, college tuitions, debt consolidations, and so much more are payable from a single HELOC loan. Once you are approved for your loan, the sky’s the limit!

Competitive Interest Rates

Leveraging the value of your home is one of the best money hacks for financing your future. Check out Call Federal FCU’s current HELOC rates to see how they could match your lifestyle.

Flexible Funding & Repayment

Your HELOC can help you to pay back borrowed funds on your terms. From interest-only payments to fixed-rate second mortgages, our team is excited to discover the right solution for you.


Home Equity Lines of Credit  –  At A Glance

Home Equity Line of Credit* Interest-Only Home Equity Line*
Terms Variable Rate / 15 Years Variable Rate / 20 years
Rate 3.25%** APR 3.75%** APR
Draw Period 8 Years
Pay monthly principal + interest
10 Years
Option to pay interest-only
Repayment 7 Years to pay full balance  10 Years to pay full balance
APR= ANNUAL PERCENTAGE RATE
*INCLUDES 0.50% rate discount with automatic payments from a Call Federal Checking ACCOUNT
** any RATE changes FOR INTEREST-only (20-YR) home equity lines are made ON THE FIRST DAY OF EACH MONTH. the 15-YR home equity line of credit is adjusted quarterly, IF needed, on the first day of January, April, July and October. INTEREST RATES ARE BASED ON The Prime Rate AS published in the Money Rates column of the Wall Street Journal.

Related Content


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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