Let your home help fund your dreams.

Lower interest rates

With your home value as collateral, these loans have some of the lowest rates around.

Incredibly versatile

Add a room, buy something big, or pay off bills. The choice is yours.

Payments are flexible

Choose stable monthly payments of a lump-sum loan or use the amount you need and once the funds are paid down, the money is available for you to use again with a line of credit.

All that effort you've put into maintaining your home and paying down the mortgage? It can pay off in a low-interest loan or a convenient line of credit.

Chef-quality kitchens or backyard landscaping. College education or family vacations. Doctor bills, emergency funds - or something that's just plain fun. With an affordable Home Equity Loan or Line of Credit, the money can be used for almost anything you can imagine.

Home Equity Loan

Borrow money in one lump sum and enjoy stable monthly payments. Often used for big projects and major purchases.

  • Borrow up to 90% of the equity in your home (your home's market value minus your remaining mortgage balance)
  • Repayment term of up to 30 years
  • Home Equity Loan interest payments may be tax-deductible; consult your financial advisor*

Home Equity Line of Credit

Tap into a loan fund as often as you like for years on end. Commonly used to cover unexpected costs, make periodic payments (such as tuition) or consolidate higher-interest loans.

  • Establish a credit line up to 90% of the equity of your home
  • Access funds quickly through Online Banking and our mobile app
  • Make interest payments only on the amount of money actually in use
  • After you make payments, the money is available for you to use again and again
  • Home Equity Line of Credit interest payments may be tax-deductible; consult your financial advisor*

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Eastern Wisconsin, including Appleton, Green Bay, Oshkosh, Manitowoc, and New London.

Run the Numbers

Checking made easy

Simplify money management with flexible checking features that fit your lifestyle.

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General Disclosure: Must meet eligibility requirements. All loans subject to final approval. Rates, Terms, and Conditions subject to change and may vary based on creditworthiness, qualifications, and collateral. Subject to change or terminate without notice. At closing, a fee is charged to cover title search, flood certification, recording, and property evaluation fees. Additional fees, such as for an appraisal, may apply. Consultant a tax advisor about deducting interest and fees.

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Home Equity Loan Fixed Rate Disclosure: For a $35,000 home equity loan with a term of 5 years at 3.445% Annual Percentage Rate (APR), the monthly payment will be $636.71.

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Home Equity ARM Disclosure: 5/1 ARM payment example for a $35,000 loan with a 3.50% rate and 5.119% APR, the first 60 monthly payments are $157.17 with 12 payments at $193 if the rate adjusts to the annual maximum of 5.50%, 12 payments at $231 if the rate adjusts to the annual maximum of 7.50%, 275 payment at $271 if the rate adjusts to the ceiling of 9.50%, with one remaining payment at $271. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater.

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Home Equity Line of Credit Disclosure: Current variable Annual Percentage Rate (APR) based on Wall Street Journal Prime plus a margin. Margin based on creditworthiness, qualifications, and collateral. Maximum APR of 18.00%. Closing costs range from $214.50 and $796.50; additional fees may apply. Available draw period during first 15 years.

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Minimum disbursement $500; minimum line of credit $5,000; minimum payment interest-only or $100, whichever is greater.