Use the Equity in Your Home

With low rates, ease of use and growing home values, use your home’s equity for improvements or pay off higher interest debt.

Borrow up to 90% of your home’s equity. There’s no application fee or closing costs++ and accessing your line of credit is easy with our HELOC credit card.

With these low rates, you unlock endless possibilities! Consolidate your debt, invest in home improvements, or pay for college. Apply today!

• Home repairs
• Landscaping
• Debt consolidation
• Finish the basement
• Remodel kitchen/bathroom
• Pay for college
• Go on vacation
• Vehicle purchase


About HELOCs
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A Home Equity Line of Credit (HELOC) is a loan set up as a line of credit for a maximum draw, rather than using a fixed dollar amount like a mortgage. East Idaho Credit Union wants to help you get your next HELOC right here in East Idaho, because you need someone local you can trust. 

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How to Win
Features Benefits
Eligibility Primary Residence
Single Family (1-4 family)
Must Be Located in Idaho
*Manufactured Homes Ineligible
Terms Up to 25 Years
Draw Period up to 10 Years w/ Interest Only Payments
Repayment Period up to 15 Years w/ Principal &
Interest Payments Re-amoritized
Loan to Value Up to 90% of Home Value
Loan Amounts Minimum of $5,000
Maximum of $250,000
Fees No Application Fee
No Closing Costs*
Advance Limits No Minimum Advance During Draw Duration Period
No Initial Advance Required
Credit Advances Electronically, In Person, Over the Phone, HELOC Credit Card (Coming Soon!)
Uses Home Improvements
Debt Consolidation
Everyday Purchases


Features & Benefits - H1
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Our variable Home Equity Line of Credit (HELOC) rates are determined off Wall Street Prime Plus Margin**. 

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Rates as Low as
3.50% APR+

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If you find yourself asking questions, feel free to reach out to us directly. We are here to help you every step of the way. Whether you want to stop by one of our local branches or give us a call, we’ll make sure yourPowerHouse Loan is as easy as possible!

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+APR=Annual Percentage Rate. HELOC APR ranges between 3.50% to 6.25% effective October 1, 2020. The interest rate can change semi-annually on the first day of April and October following a change in the Prime Rate. We will use the most recent index available to us as of the 10th business day of the month prior to a rate change. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on credit worthiness. Application must be received by April 30th, 2020 in order to receive introductory rate. Introductory rate will be in effect for six statement periods following the date of funding. After the introductory period, rate will revert to qualifying rate. $5,000 minimum, $250,000 maximum line of credit. ++CU pays flood, automatic home valuation and title costs. If full appraisal needed, member pays. East Idaho Credit Union is an Equal Opportunity Lender.
*If required, members pays cost of full appraisal. Annul percentage rate can change semi-annually on the first day of April and October. **Floor rate on Wall Street Prime Max rate of 18.00%. ***LTV = Lifetime Value. $5,000 minimum, $250,000 maximum line of credit. A $5 Membership fee will be charged on all New Membership Accounts. Early payoff (less than 3 years) requires $300 finance charge. Annual percentage rate may vary after account opening based on prime floor rates, with a maximum of 18% APR. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower. All loans are OAC. East Idaho Credit Union is Federally Insured by the NCUA.