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Home Equity

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Home Equity Loans for Everyday People.

Home equity lines of credit can help you purchase a home or remodel the one that you have. Explore your options with low rates and flexible terms.

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Low variable rates

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Repayment terms up to 15 years

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Financing up to 80% LTV

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Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Mortgage Amount
$
$
Sample Fixed Rate
%
Term (Years)
Advanced Options

This calculation represents an estimate

Mobile payments.

Easily extend, transfer, and pay off your Home Equity Line of Credit. All on your phone.

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Make your space better.

  • 1

    Get Started

    Contact us for more information about a Home Equity Line of Credit.

  • 2

    Design a New Space

    New houses, new appliances, or remodeled bathrooms. Buy art, plants, furniture and everything else.

  • 3

    Low Rates

    Flexible terms and low variable rates keep your payments low.

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Frequently Asked Questions

  • When you’re approved for a Home Equity Line of Credit (HELOC), you’re allowed to borrow up to the maximum amount that you were approved for. The line of credit is flexible, meaning you can take out as little or as much as you need. If you start a project and realize you need more funds, you can borrow more without going through another approval process.

  • No. You’ll only pay interest on the actual amount that you borrow.

I have never had a bad moment at Alta! I've done loans, different accounts etc. and everyone is just terrific!!

— Dolores K

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Advanced Options

Property Tax Rate

The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.

%

Homeowners Insurance (Monthly)

The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.

$

HOA Fees (Monthly)

These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.

$

Private Mortgage Insurance Rate

The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.

%

Disclosure

This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.

Rates

Home Equity Rates

Rates effective as of: December 21, 2024

*Lowest rate quoted with direct deposit and automatic payment from Alta Vista Credit Union Account (excludes Share Secured, Share Certificate Secured, VISA and Home Equity products)

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