Home Equity Loans

With Equity Line Plus, get cash on
your terms with rates as low as
2.79% APR*

Benefits that make borrowing simple

Borrow only what you need

Free up credit as you make payments, so you can re-draw money as you need.

Flexible Credit Line Amounts

Line amounts start at $10,000 to meet your needs.

No Interest Until You Withdraw

Easy access to cash, but you don’t pay any interest until you actually withdraw it.

Maximize your borrowing opportunity

  • Equity Line Plus allows you to borrow up to 80% of the value of your home
  • Have cash available for unexpected expenses or pay down high-rate credit card debt
  • You make payments and pay interest only on the amount you spend.**
  • Fixed-rate terms of 60-180 months
young couple sitting on floor talking about remodeling house

How it works

Let’s say you have $75,000 available on your line of credit and you want to pay off a student loan totaling $15,000. We’ll set up a fixed-rate segment¹ for $15,000.

When you want to remodel your kitchen for $25,000 we will set up another segment on your line of credit.

You can create up to five segments on your Equity Line Plus and make one convenient monthly payment.

Equity Line Plus




Floor Rate

Max Rate

Fixed Rate Segment for Equity Line Plus - 80% Combined Loan to Value (CLTV) or Less





Principal and Interest Payment Product - 80% Combined Loan to Value (CLTV) or Less





Interest Only Payment Product - 80% Combined Loan to Value (CLTV or Less)





Maximum Rate is 18%. Rates above are available for owner occupied, detached single family residential properties only. Please view Disclosures (PDF) for additional information. You may also contact us and ask to speak to the Unitus Residential Equity Loan Department for additional rates, terms, conditions, and fees and/or for a personalized loan quote.

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