Home Equity Loan
Turn Home Equity into Possibility
Use your home’s equity to remodel, pay for college, or consolidate debt—with low fixed rates, flexible terms, and trusted support from Achieve Credit Union.
| Featured Rate | APR¹ as low as |
|---|---|
| Home Equity Loan | 5.99% |
Put Your Home Equity to Work
You’ve built equity in your home. Now’s the time to put it to work—for the dreams you’ve put on hold or the challenges life has thrown your way.
Whether you’re updating your kitchen, covering tuition, or consolidating debt, an Achieve Credit Union Home Equity Loan offers a practical, affordable way to get the funds you need.
Fixed Rates
Predictable payments that help you stay in control.Flexible Terms
Borrow what you need for up to 180 months.
Low Fees, Low Closing Costs
More of your money goes toward what really matters.Trusted Guidance
Our home loan experts take the time to listen, understand, and guide you towards an affordable solution.
Top Uses for a Home Equity Loan
Dream remodel
Tired of the old kitchen? Bathroom stuck in another decade? Renovate with confidence using the equity you already have. With fixed rates and predictable payments, your dream home is finally within reach.
Consolidate debt
High-interest credit cards? Multiple monthly payments? A home equity loan can consolidate your debt into ONE manageable payment with a lower fixed rate—freeing up both your budget and your peace of mind.
Fund college
College costs keep climbing. Your home’s equity can help cover tuition or other education expenses—so you or your child can move forward without added financial stress.
Cover big expenses
Life happens. From medical bills to milestone events, your home’s equity gives you access to funds—so you’re prepared for what’s next, whatever that may be.
Home Equity Loan FAQs
It depends on how you plan to use your funds.
A Home Equity Loan is a great choice for one-time expenses like home renovations, college tuition, weddings, vacations, or consolidating high-interest debt. You’ll get a lump sum with a fixed rate and predictable monthly payments.
A Home Equity Line of Credit (HELOC) gives you flexible access to funds when you need them—ideal for ongoing projects or unexpected expenses. With flexible payments and typically lower monthly costs, it’s a smart option for those who want financial peace of mind and a cushion for the future.
Still unsure? No worries. Our home loan experts are here to listen to your story, understand your goals, and help you choose the right fit.
While you could borrow up to 90% of your home’s value, the final amount depends on a few key factors, like your home’s current value, your existing mortgage balance, and your credit history.
We’ll walk you through the numbers and provide a personalized estimate when you apply—so you know exactly what to expect.
There is a $50 application fee for a home equity loan. There’s no application fee for a HELOC.
There are closing costs, and they're often much lower than the industry average and fully explained upfront. If any additional fees apply, we’ll go over them with you in plain language—no surprises, no confusion.
Have questions? Our team is happy to talk through everything with you.
We move quickly—because we know your time matters.
Most members who qualify receive approval and access to funds within 7 to 14 business days after submitting their application. Every situation is a little different, but we’ll keep you informed every step of the way.
From your first question to your final payment, we’re here to help you move forward with clarity and confidence.
Take The Next Step
Visit A BranchStop by your local branch, and we’ll be happy to help you!SEE LOCATIONS |
Talk With UsCall (440) 324-3400 to speak with our Member Services team.CALL US |
Apply NowSubmit your loan application online from any device.Apply Online |