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Home Equity LinePLUS

Home Equity LinePLUS

Use the Equity in your home using a flexible line of credit with fixed-rate advance options.

At a Glance

What will you do with your home’s equity? A DCU Equity LinePLUS combines the power of your home’s equity with the flexibility of a line of credit.

Features / Benefits

No minimum advance requirement – Advance what you want, when you need it up to your available balance.
Interest may be tax deductible – To find out about deductibility, please consult a tax advisor.
Lock in your rate on a portion of your balance – You have the option to lock in up to two advance portions on your loan at a fixed rate at a time.
Use as overdraft protection – Can serve as overdraft protection for your DCU Checking Account.
Access your Equity LinePLUS – Make transfers or payments via Online Banking, the DCU Mobile App, and more.
No prepayment penalties
Not available in all 50 states – Home Equity LinePlus is not available in CT, NC, TX, WI and WV.
As Low As
4.49% APR
4.5 4.5 / 5 stars

Home Equity LinePLUS Rate As Low As

Combined loan-to-value (LTV) of 80% of your home’s market value.

Rate Index Rate Index APR¹ APR¹
Prime + 1.24% 4.49%
Rate Index Rate Index APR¹ APR¹
Prime + 1.24% 4.49%

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate is variable, tied to the Prime Rate, and can change monthly with a minimum rate of 4.49% and a maximum rate of 18%. The Prime Rate is currently 3.25% as of March 16, 2020. To open a line of credit there may be certain fees paid to third parties at closing, unless otherwise noted, these fees generally total between $0 and $3,500.00. If you ask, we will give you an itemization of the these you may have to pay to third parties. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.

Please refer to DCU's Early Federal Disclosure for more information on Home Equity rates, including historical rate examples. You may obtain this information by contacting DCU.

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Plan for Your Mortgage

Choose from our easy to use calculators to help you manage or plan for your mortgage or home equity loan.

What Our Members Are Saying

EquityLine Plus

RATINGS 5 5 / 5 stars

This is my second HELOC and both times had an excellent experience. Fast, easy and great service.

Jymbo56 – Alpharetta, GA


Better than a credit card

RATINGS 5 5 / 5 stars

I recently closed on an equity line of credit to take advantage of the equity in my home. The really nice feature is having it linked to my other DCU accounts so I can make simple transfers back and forth.

ABD – Nashua, NH


Comprehensive and flexible

RATINGS 5 5 / 5 stars

The DCU HELOC product is exactly what I was looking for. For short-medium term borrowing for home improvement expenses to the option of 2 fixed larger loans, this product offers comprehensive and flexible options.

K1rby – Sterling, MA


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