Homeowners benefit from our Home Equity Loans and Lines of Credit

With fixed rates that fit your budget, Black Hills Federal Credit Union’s Home Equity Loans can be used to finance any of your needs. No matter your needs as a South Dakota resident, we help you 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)


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 APR
760 and over
Premier Plus APR
Premier APR
Standard APR
Value APR
Rebuilder APR
599 and under
APR 4.00 4.00 4.00 4.00 5.75 7.75
Rate 4.00 4.00 4.00 4.00 5.75 7.75

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

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