Tap into your home's value
Planning a major home renovation or another ongoing project? Use the equity in your home to keep enough cash on hand with a GOLD Home Equity Line of Credit (HELOC). A HELOC is a variable-rate, secured loan that uses your primary residence as collateral. It'll get you the funds you need, when you need them, on a recurring basis.
Our Members often use their loan for home improvement projects, ongoing medical expenses, or emergency spending.
GOLD Home Equity Line of Credit (HELOC)
With our GOLD Home Equity Line of Credit (HELOC), you'll enjoy the convenience of having the cash you need when you need it most. You can borrow up to 80 percent of your home's appraised value, minus the balance owed on your mortgage and any other loans tied to your home.
- Revolving line of credit
- Low variable rate
- 10-year (120-month) draw period and 15-year (180-month) repayment period
- Easy access to funds through Online Banking and the GOLD App
- GOLD Debit Card or checks linked to your account (by request)
- No prepayment penalties
- No application or annual fees
- Low or no mortgage recording fee
- Tax-deductible interest*
Properties must be owner-occupied, deeded in the borrower's name(s), located in Pennsylvania and classified as a one-to-four-family dwelling.
*The interest you pay may be tax-deductible. Consult your tax advisor.
See Our Home Equity Loans
Do you have one big purchase on the horizon? Our Home Equity Loan may be the perfect choice to help you consolidate debt or remodel your kitchen.