Search Locations
Search Site
Save BetterBorrow SmarterLearn A Lot!

Making Life a Little Easier

Low Rate Home Equity Line of CreditYour Nest, Your Nest Egg

Use Your “Nest” to Keep More of Your “Nest Egg”

When you need money for life’s big expenses, use the existing equity in your “nest” to help you get there! For a limited time, save with our special introductory rate on a home equity line of credit (HELOC) as low as 2.99% APR* for 12 months, then as low as 5.00% current variable APR thereafter.

  • No Annual Fee!
  • No Pre-Payment Penalties!
  • Low Closing Costs!

This is a great way to keep more of your “nest egg,” plus be able to afford life’s big expenses, like home remodels or upgrades, education, and more.

How much can you really save?

We did the math for you! Here’s a comparison in savings just from the first year with a HELOC from WPCU.

How much can you save in one year?

Find out if it's right for you

Apply now, or call (937) 912-7000 or (800) 762-0047, or stop in your local Member Center.

Apply Today!

*APR = Annual Percentage Rate. This is a special limited time offer. Offer expires August 31, 2018. Subject to credit approval. Introductory APR is based on creditworthiness and for a maximum loan to value ratio (“LTV”) of 85%. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Introductory rate is as low as 2.99% APR and as high as 9.49% for the first year, then the APR will vary for the remaining life of the loan. As of 7/1/18, this variable APR would have been as low as 5.00% APR, for 85% LTV, which is based on the Prime Rate. Your minimum Annual Percentage rate is 4.00%. Your maximum Annual Percentage Rate is 25.00%, or the highest interest rate permitted by applicable law, whichever is lower. Home value is based on an approved valuation method determined by Wright-Patt Credit Union. Additional fees may include appraisal, title search, flood search, and filing fees. Property must be a single family home and owner occupied. Property insurance will be required. Minimum credit line is $10,000; maximum credit line is $150,000. Credit line based on loan-to-value and credit history. See HELOC disclosure for full details. Current Wright-Patt Credit Union loans cannot be refinanced at introductory rate. Loan must be new money to Wright-Patt Credit Union or a minimum credit limit increase of $10,000 if refinancing a Wright-Patt Credit Union Home Equity Loan. Offer subject to change or may expire without notice.

The U.S. Prime Rate used to determine your APR for each billing cycle will be based on the highest Prime Rate as published in the Wall Street Journal in effect on the last day of each calendar quarter that ends within the billing cycle. On July 1, 2018, the U.S. Prime Rate was 5.00%.

Keep more of your hard-earned money. Check out our other websites:

Respect Your Money - Young Today, Money Smart TomorrowFraud Awareness - Protect Yourself From FraudWright 4 You Mortgage - A Perfect Fit

Any links to external websites are links to alternative sites not operated by WPCU. WPCU is not responsible for the content of the alternate site. The privacy and security policies of the alternate site may differ from those practiced by WPCU. WPCU does not represent you or the third party if you enter into a transaction with the third party.

Wright-Patt Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 762-0047 or by clicking here. All products and services available on this website are available at all Wright-Patt Credit Union branches.

View the WPCU Privacy Policy

WPCU on FacebookWPCU on TwitterWPCU on YouTubeWPCU on LinkedIn
Equal Housing HousingFederally insured by NCUA