LOANS

Home Equity Line of Credit

*APR = Annual Percentage Rate. Rate as low as 6% as of 3/1/26, subject to change. Rate is variable, based on the Prime Rate published in The Wall Street Journal Money Rates Table plus a margin. Rate adjusts annually in July, to a minimum of 4%, and a maximum of 18% APR. Subject to membership and credit qualifications. Line of credit has a 10-year draw period with a maximum of a 15-year repayment period. Minimum payment is calculated at the time a credit advance is made using a payoff period of 180 monthly payments or $100 minimum payment, whichever is greater. Home value may be determined by an appraisal or valuation with a cost to the member. Property must be a single-family home and owner-occupied. Property insurance will be required. Line amounts range from $5,000 to $250,000 based on LTV. HELOC is available in Missouri and Kansas only. 

**Consult a tax advisor regarding the deductibility of interest. Equal housing lender.

Whether you need to pay off high-interest credit card debt, or add a room to your house, consider a Home Equity Line of Credit (HELOC) at Holy Rosary Credit Union to help. A HELOC is simply a line of credit secured by the equity you have in your home. It can be used for whatever you need. You can send a child to college, or buy a new car, it’s up to you. Since HELOC Loans are secured by your home, the rates are usually lower than on some other forms of debt. The interest you pay may even be tax-deductible.

** Loans may be given for as much as $100,000 and as little as $5,000 depending on the equity in the home and other credit criteria. Why not get approved for your line of credit today? The money will then be available when you need it.

You may apply online now by clicking here and answering a few questions for us or for more information call us at 816.221.2734.

A HELOC can help with rates as low as 6.0% APR*