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Home Equity Line of Credit

Make your house feel like home.

Home Improvement, Made Easy

Renovations, remodels, and everything in between — whatever your need, a Home Equity Line of Credit can help.

Worry-Free Borrowing

Pay interest only on the amount you’ve spent — not the total line amount.

Apply With Ease

Seamless applications with a quick turnaround help you get the financing you need, when you need it.

Pay With Convenience

Make payments at your local branch or Interactive Teller Machine (ITM), or online any time.

Success-Driven Support

We’re on your side with unmatched member service.

Financing You Can Depend On

Experience the benefits of opening a Home Equity Line of Credit (HELOC). Borrow money as needed and repay your loan with variable minimum payment requirements and interest rates.

  • Take out loans up to $250,000*
  • Loan-To-Value (LTV) up to 100%*
  • Potential tax benefits*`
  • Conveniently access your funds any time


Fixed Rate HELOC

  • Borrow up to 100% of your home’s equity1
  • 20-year term
  • Primary residence only
  • Rate is fixed for the life of the loan
  • Get up to a $250,000 max credit limit2
Apply Now

Contact A Mortgage Officer

See Current Rates on HELOCs

Meet Our HELOC Specialists

NMLS #: 2176519

Keyianna Flack

Home Equity Specialist

NMLS #: 2176524

Samantha Polattie

Home Equity Specialist

NMLS #: 2278602

Kimberly Radford

Home Equity Specialist

Explore Your Options

We offer many loan types to help you with your financial needs.

We Offer More Than Just Loans

Let ORNL FCU be your full-service financial institution.

*Some restrictions apply. All loans are subject to credit approval based on our qualified loan program. All ORNL FCU programs, services, rates, terms, and conditions are subject to change at any time without notice.

1Some restrictions may apply. The maximum loan to value for primary residence is 100%. Factors that may impact the amount of equity that can be borrowed include credit history, property type, LTV ratio, occupancy, and loan amount. 20-year term with 10-year draw period. 2$250,000 max credit limit and $10,000 minimum credit limit.

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