With interest rates still low and property values in Colorado on the rise, now is an excellent time to get a Home Equity Line of Credit (HELOC) with PSCU.

Whether you’re looking to save money or just have extra cash available, a HELOC is a smart way to borrow money. Use the equity in your home to pay down your high-interest-rate debt, make home improvements, take your dream vacation, pay for college tuition, or build an emergency fund.

HELOC benefits:

  • Term is 20 years, consisting of a 10-year advance (draw period) and a 10-year amortized repayment period
  • No prepayment penalty
  • Access your funds with unlimited check writing
  • Transfer funds to your checking or savings accounts using My eBanking or Mobile Banking
  • Tax deductible interest*.

It’s Your Call

We offer two fast and easy options both with a rate as low as 4.64% APR**.


Now there’s a more economical way to make home improvements or pay off debt. If you need $15,000 or less, our EZ HELOC is perfect for you with no closing costs.  The EZ HELOC can help:  EZ to apply. EZ approvals. EZ process.


If you need $15,000 or more, the Preferred Equity Line of Credit is perfect for you.  Access your equity how and when you prefer, and lock in your balance for a fixed rate and term.


*For specific tax advice, please consult a qualified tax professional.

**All products are subject to credit and property approval. Rates and terms are subject to change without notice. Certain restrictions and limitations may apply. Home equity loans must be secured by your owner-occupied residence. Property insurance is required. The rate is indexed to prime plus or minus a predetermined margin and is subject to change quarterly. All application requests are subject to credit approval.
EZ – There are no closing costs. An appraisal may be required. 
Preferred – Closing costs average $300, not including appraisal fee.