Turn equity into opportunity.

HOME EQUITY LINE OF CREDIT (HELOC)

UNLOCK THE VALUE IN YOUR HOME

An Alpine Credit Union HELOC is a smart way to access funds when you need them. Whether you're planning a renovation, covering unexpected expenses, or simply want a flexible safety net, a HELOC gives you access to an open line of credit based on the equity in your home.

This revolving line of credit works much like a credit card—but with much lower rates—and you only pay interest on what you use.

Why Choose an Alpine CU HELOC?

  • Low Introductory Rate for the First 6 Months-save more right up front with a competitive introductory rate.
  • Loan Terms Up to 20 Years-enjoy flexible long-term repayment that fits your budget and goals.
  • Fast Closing and Approval Process-get the funds you need quickly with our streamlined application process.
  • Local Approval and Underwriting-work directly with our in-house lending team for personal service and faster decisions.

The process is simple, click here to see rates and loan options.

Home Equity Line of Credit (HELOC)

TermAPR
15-Year (interest only or standard repayment)
15-year maturity with a 5-year Draw period and a 10-year Payback term
Up to 85% LTV		4.99% 6-month Intro Rate
*Rate changes to Prime + 0.00%
(VAR APR)
20-Year
20-year maturity with a 10-year Draw Period and 10-year Payback term
Up to 85% LTV		4.99% 6-month Intro Rate
*Rate changes to Prime + 0.25%
(VAR APR)

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Use our easy mortgage calculator to find your ideal price range and monthly payment. 

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Loan Calculation

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NEXT STEPS

  1. Use the calculator to explore your price range.
  2. Contact our Mortgage Department for personalized guidance if needed.
  3. Start your application and get pre-approved quickly!
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CONTACT OUR MORTGAGE DEPARTMENT

Call or Text: 801-857-2470
Email: mortgage@alpinecu.com
Fax: 801-426-1522

Loyalty rate discounts do not apply to mortgage products.

APR=Annual Percentage Rate. VAR=Variable. LTV=Loan to Value
APR=Annual Percentage Rate. VAR=Variable. LTV=Loan to Value. After the initial fixed rate period, your APR will convert to a variable rate and vary with the Prime Rate as published in the Wall Street Journal. During the variable rate period, the interest rate will not vary above 18% APR nor below 3.5% APR. Rates, terms, and conditions are subject to change without notice and may increase based on borrower's creditworthiness. Minimum loan amount is $10,000.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.