Home Equity Loans
Finance your goals with a fixed-rate loan and affordable payments.
Why a home equity loan?
A home equity loan lets you tap into your home's value, helping you finance major life expenses like home improvements, debt consolidation, or education. With fixed rates and predictable payments, this loan offers flexibility and peace of mind.
At orsa credit union, we offer competitive rates and personal service for your home equity loan. Our team is dedicated to making your borrowing experience smooth and stress-free. We guide you every step of the way to ensure you choose the right loan for your needs.
Apply for a home equity loan
Ready to unlock the value of your home? Apply today for a home equity loan!
Personalized Borrowing
The good stuff
Enjoy low rates, flexible terms, and a personalized approach to borrowing. At orsa, we put your needs first.
Great features
- Fixed rates & predictable payments: Enjoy the stability of fixed monthly payments at a competitive interest rate.
- Access to large amounts of capital: Borrow a lump sum based on the equity in your home for major expenses, up to 100% of your home’s value.
- Flexible loan terms: Choose terms that fit your budget and financial goals.
- orsa member advantage: Receive personal guidance and exceptional service tailored to your needs.
- Save on your loan: Quarter percent discount available with direct deposit into an orsa account.
- No hidden fees or surprises: Transparency is key—no application fees, and no hidden charges.
Interest may be tax deductible. Contact your tax advisor!
Home Equity Loan Rates
Date Updated Mar 9, 2026
APR as low as* |
|---|
Variable Rate HELOC |
6.25% |
Fixed Rate HE Term Loans |
7.24% |
*Home Equity Lines of Credit: Annual Percentage Rate (APR) is based on a $25,000+ line of credit, 80% Loan to Value (LTV) and an excellent credit score. Estimate assumes a 0.25% discount for a monthly direct deposit of at least $100 into an orsa account. Rates are based on the published Wall Street Journal Prime Rate and subject to change without notice. Additional rates available based on loan amount, LTV and individual credit history. Maximum rate 25.00% APR, minimum rate 2.00% APR. If you close your line of credit plan within the first 24 months you will be required to reimbrse the credit union for the bona fide fees paid on your behalf.
Home Equity Term Loans: APR is based on a $25,000 loan amount, 60 month term, 80% LTV, and an excellent credit score. Estimate assumes a 0.25% discount for a monthly direct deposit of at least $100 into an orsa account. Actual rate based on loan amount, LTV, term and individual credit history.
Home Equity Term Loans: APR is based on a $25,000 loan amount, 60 month term, 80% LTV, and an excellent credit score. Estimate assumes a 0.25% discount for a monthly direct deposit of at least $100 into an orsa account. Actual rate based on loan amount, LTV, term and individual credit history.
HELOC
Looking for a HELOC instead?
A Home Equity Line of Credit (HELOC) lets you borrow against your home’s value—like a credit card with your house as collateral. Use it for home improvements, big expenses, or whatever’s next, with flexible access and competitive rates.
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Loans From orsa
Other loan options
Looking for a different kind of loan? We offer a wide range of borrowing solutions to fit your needs, including personal loans, home equity lines of credit, and more.
Frequently Asked Questions
Home Equity FAQ
Learn more about the advantages of using home equity loans.
Apply Today
Ready to take the next step? Apply now for your home equity loan and unlock the power of your home.
Current Mortgage Holders
Need help with an existing mortgage?
If you need to chat about your current orsa mortgage, our mortgage servicing team is here for you!
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What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
