Home Equity Loans

For homeowners, equity is the difference between your home’s value and the amount you owe on your mortgage. The difference can be used to accomplish many things, such as home improvements and paying off high education costs. We have options to help you effectively accomplish the things that are most important to you.

We have solutions for your home! Check out our Home Equity Line of Credit (HELOC) and Home Equity Loan — and give our Home Equity experts a call today to learn more!

Home Equity Line of Credit (HELOC)

Talk to one of our lending experts about Home Equity options today! Call us at 800-321-8570 ext.7299 or email homeloans@zealcu.org. 

Check out our great rates, and apply today!

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Home Equity Loan (Fixed Rate)

Talk to one of our lending experts about Home Equity options today! Call us at 800-321-8570 ext.7299 or email homeloans@zealcu.org. 

Check out our great rates, and apply today!

Home Equity Line of Credit

*APR = Annual Percentage Rate. Zeal Credit Union is an equal opportunity lender. Variable Rate Home Equity Line of Credit ranges from a minimum of 5.50%, which is the current prime market rate. This rate is subject to change with a maximum of no more than 18%. Actual rate is based on loan amount, loan to value, and individual creditworthiness. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. Maximum Loan to Value 95%, property must be in the State of Michigan. The minimum amount is $10,000 and maximum amount is $250,000. Appraisal fee must be paid by member in advance. Appraisal fee will be credited back to the member at closing. Homeowner’s property insurance is required, and flood insurance may be required. For the most up to date rate information, please contact a Zeal Credit Union mortgage representative directly. Other restrictions may apply. Membership eligibility is required.

Home Equity Fixed Loan

Zeal Credit Union is an equal opportunity lender. APR = Annual Percentage Rate. Advertised rate effective as of 9/14/2020. Advertised rate is based on $5,000 minimum loan amount for up to 120 months. Other rates and terms available. Actual rate based on member’s credit history, loan amount, LTV, and term. Advertised rates are for informational purposes. Rates are subject to change at any time and without notice. For the most up to date rate information, please contact a Zeal mortgage representative directly.