Homeowners benefit from our Home Equity Loans and Lines of Credit

With fixed rates that fit your budget, our Home Equity Loans can be used to finance any of your needs. Pay for home renovations, higher education and other major purchases, or consolidate high-interest credit card debt at a lower rate to save money.

Make the most of your home's value

  • Available as a lump-sum loan or revolving line of credit (HELOC)
  • Borrow more money than what's typically available with other loan options
  • Lower-cost alternative to credit cards and personal loans
  • Interest payments may be tax-deductible (please consult your advisor)

1% HELOC Rate Discount 

From home renovations to family vacations and new business ventures, use the equity in your home to achieve all your personal and financial goals this summer. Take advantage of our special discounted rates on a Home Equity Line of Credit!

Apply by September 30, 2019 to qualify for the Home Equity Line of Credit (HELOC) 1% rate discount. Give us a call at 605.718.1818 or stop in at any of our 15 Member Service Centers for more information.



*Offer subject to credit approval.  Rate will vary depending on credit history.  Offer is 1% reduction from the individual’s applicable qualifying rate through September 30, 2020.  Offer expires September 30, 2019. Rates are variable and are subject to increase after consummation.  Some restrictions apply.  Call us at 605.718.1818 or 800.482.2428 for details.
Home Refinancing Loans

Home Refinancing Loans

Save money by refinancing your current home mortgage.

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Home Equity Line of Credit Rates

Term Platinum
760 and over
Premier Plus
599 and under
Not Applicable APR 4.75% 5.00% 5.25% 5.75% 7.75% 9.75%
Rate 4.75% 5.00% 5.25% 5.75% 7.75% 9.75%

Protect your most valuable asset with a policy that directly addresses your needs.

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