{"id":20423,"date":"2025-01-23T15:16:45","date_gmt":"2025-01-23T22:16:45","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=20423"},"modified":"2026-01-27T15:24:02","modified_gmt":"2026-01-27T22:24:02","slug":"home-equity-loans","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/loans\/home-equity\/home-equity-loans\/","title":{"rendered":"Fixed-Rate Home Equity Loans"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\" id=\"h-maximize-your-home-equity\">Maximize Your Home Equity<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-black-color has-text-color has-link-color has-lg-font-size wp-elements-ab57d9f6e98e721780bebd605bff0d68\">Unlock the potential of your home&#8217;s equity with our Fixed-Rate Home Equity Loan (also known as a second mortgage). This loan provides a fixed rate, term, and set monthly payment, making it a reliable second lien on your home. This is a great option if you don&#8217;t want to refinance your existing mortgage.<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-3d4bc2cfc309cc11a9f7b140ba201dbf\">Fixed-rate loan option<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-c57a9c23ebdffe72ecd9517c6ca8a0ac\">Fixed term and monthly payment<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-ed13a2502294ffc5342514e11b92bdef\">Borrow against home equity<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-e34b13eb2747731daa2bb80dc9e5944f\">Fully amortized repayment<\/li>\n<\/ul>\n\n\n\n<div id=\"block_ad4dbcfda94eb6704e8aa2f688df5220\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_63481d0d253c9cc4afe8c9e1a74f3ceb\" class=\"js-button \" onclick=oao.open('%\/blend','CNS-HERC')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_02a192cfb354f97ddd9829e5e04eaed4\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-green-color has-text-color has-link-color has-sm-font-size wp-elements-1f71a61af1af8526cca2dd445914a116\"><a onclick=\"oao.open('%\/blend','CNS-HERC','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-transparent-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-group has-light-green-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center is-style-h3 has-black-color has-text-color has-lg-font-size\" id=\"h-ways-to-use-your-equity\" style=\"font-style:normal;font-weight:400\"><strong>Ways to Use Your Equity<\/strong><\/h3>\n\n\n\n<p class=\"has-text-align-center has-lg-font-size\">Home renovations<\/p>\n\n\n\n<p class=\"has-text-align-center has-lg-font-size\">Debt consolidation<\/p>\n\n\n\n<p class=\"has-text-align-center has-lg-font-size\">Emergency fund<\/p>\n\n\n\n<p class=\"has-text-align-center has-lg-font-size\">Vacation<\/p>\n\n\n\n<p class=\"has-text-align-center has-lg-font-size\">And more!<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-transparent-background-color has-background\" id=\"heloc\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"990\" height=\"775\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/10\/image-personal-loan.webp\" alt=\"A couple working on home renovations together\" class=\"wp-image-19657\" srcset=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/10\/image-personal-loan.webp 990w, https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/10\/image-personal-loan-600x470.webp 600w, https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/10\/image-personal-loan-768x601.webp 768w\" sizes=\"auto, (max-width: 990px) 100vw, 990px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading alignwide has-text-align-left is-style-h2 has-green-color has-text-color\" id=\"h-another-option-to-use-your-home-s-equity\">Another Option to Use Your Home&#8217;s Equity<\/h2>\n\n\n\n<p>Homeowners have different needs when it comes to tapping into the equity in their home. That&#8217;s why ICCU offers a home equity line of credit (HELOC) with benefits that suit your needs.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/loans\/home-equity\/home-equity-line-of-credit\/\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<section id=\"block_84cae71956e35c37640e7ac4fa6e1adf\" class=\"o-cta  \">\n    <div class=\"o-cta__inner\">\n        <h2 class=\"o-cta__heading\">Become a Member<\/h2>\n                    <p class=\"o-cta__description\">ICCU was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho, Washington, eastern Oregon, or Arizona, chances are you can become a member of ICCU.<\/p>\n                            <a class=\"a-button a-button--white\"              href=\"https:\/\/www.iccu.com\/membership\/\">Find Out How<\/a>\n            <\/div>\n<\/section>\n\n\n\n<style>\r\n.entry-content .wp-block-group p, .entry-content>p {\r\n    padding: 0;\r\n}\r\n\r\nol, ul {\r\n    padding-left: 20px;\r\n}\r\n<\/style>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maximize Your Home Equity Unlock the potential of your home&#8217;s equity with our Fixed-Rate Home Equity Loan (also known as [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":20418,"parent":20411,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-20423","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - 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