Turn your equity into cash!
Are you looking for ways to pay down high-interest debt, fund home improvements, or handle unexpected expenses? As a member of Kirtland Credit Union, we wanted to introduce you to a few affordable borrowing options: a Home Equity Loan or Home Equity Line of Credit (HELOC).

Ready to Apply?

CALL 1-800-880-5328

Check the options available for you

Both loans allow you to borrow against the equity you’ve built in your home over time. Both feature no closing costs, low rates, and local servicing. At Kirtland, there are never any application or annual fees for either of these loans.

No Closing Costs

Low Rates

Pay For Any Project


Remodel a kitchen

Landscape that yard

Handle home repairs

Replace the roof

Pay for School

Upgrade the bathroom

Consolidate debt

Put in a pool

Loan or Line-of-Credit?

You have two great options for accessing your equity. A home equity loan provides a lump sum of cash for your projects or expenses; a home equity line-of-credit allows you to pay as you go for your expenses and make payments only on what you’ve used. Each has features and drawbacks depending on your situation.

Here are the key differences:

Home Equity LoanHome Equity Line-of-Credit
What It IsA loan with fixed payments and a fixed interest rate.A line of credit (like a credit card) with a variable interest rate that you can use for up to 9 years.
A fixed interest rate with predictable monthly paymentsX
An adjustable interest rate with variable monthly paymentsX
Lump sumX
Pay interest only on the money you useX
Rates as low as7.25% APR*8.50% APR*
Maximum Terms180 months180 months

Calculate Your Payments

No need to guess what your monthly payments will look like—try it now!

Once you’ve calculated your payments, click Save or Apply Now to send us your information. A representative will follow up to answer any questions or help you get started.

Home Equity Calculator

Home Equity Line of Credit Calculator

Your Community, Your Credit Union!

Are you looking for a financial partner you can trust – one that has your best interests at heart? Look no further than Kirtland Credit Union.

Full-Service Banking

Spending accounts and great savings options, all with the technology you need to manage your money. Anywhere, any time.

Loans You Need

Credit card, auto loans, home loans, home equity loans, and more. Kirtland CU keeps rates low and payments local. Always!

Financial Partners

Solutions, tools, advice, and a friendly greeting. That’s what we promise every member, every time. In branch or online!



Apply online, any time!


Give us a call, and a representative will help you get started.

CALL 1-800-880-5328


Stop by any of our convenient branches to apply for your home equity loan or line-of-credit.

*APR = Annual Percentage Rate. Financing available for properties in New Mexico only. Loan subject to credit approval and based on equity in home. Closing costs and actual savings may vary based on transaction amount. Home equity loans and lines of credit are limited to 90% loan-to-value and $200,000 maximum. Borrower is responsible for home-owners insurance, property taxes, and flood insurance premiums, if applicable. Special restrictions may apply. Consult a tax advisor regarding deductibility of interest. Equal housing lender. Membership eligibility required. See a Representative for complete details.

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