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Home Equity Loans and Lines of Credit


Smart Solutions to Cover Life's Expenses

As any happy homeowner knows -- moving in to a new home is just the start. Home improvement projects such as repairs, renovations, additions, and appliance upgrades go hand-in-hand with owning a home. 

At NECU we can help you with these projects.  You may borrow against the available equity in your home to:       

  • Upgrade your home with improvements, including replacing a roof, buying a new furnance or water heater,or replacing your old windows
  • Remodel your kitchen or bathroom, even upgrade your old appliances
  • Install that pool, spa, or entertainment center you've dreamed of
  • Pay for other expenses such as your children's education, consolidating debt, and any unexpected life expense
  • Sometimes having an equity line of credit for those "just in case" moments is a helpful option

Choose the option that's right for you:

RealSmart Home Equity Loan Prime Advantage Line of Credit
Low Fixed Rates Variable Rate
Fixed payment for the life of the loan Variable payment
Borrow up to 90% loan to value ratio Borrow up to 80% loan to value ratio
Up to 120 months 10-year draw and 15-year payback
Interest may be tax deductible* Interest may be tax deductible*
No closing costs for first time applicants2 No closing costs for first time applicants1
Apply Now Apply Now

We're here to help you choose the best loan program for your dreams and needs. 

  • Have questions? Contact one of our friendly loan officers.  They are just a phone call or email away. Call us toll-free at 888.436.1847, stop by your local branch, or email us at
  • Ready to apply? It's quick, safe, and secure.  Click here to start your application.

Other recommended services include our Debt Protection program.

Help Preserve Your Standard of Living and Protect Your Family

Debt ProtectionSM** helps protect your dreams and safeguard your family from a possible financial nightmare. Debt Protection is a voluntary loan-payment protection product that helps relieve you from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Debt Protection will cancel or reduce the repayment of your loan debt, helping to lessen your worries – and your family’s worries- about repaying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

Protected events include:

Download more information on protecting your Home Equity .

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

For more information contact one of our friendly members specialists.  They are just a phone call or email away.  Call us tol-free at 888.436.1847, stop by your local branch, or email us at

*Please consult your tax advisor
**Debt Protection is a debt protection product offered by Northeast Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a Northeast Credit Union loan representative for additional information on benefit maximums, eligibility, limitations, and a copy of your contract. DPGAP-0911-2CC6

THIRD PARTY WEBSITES: Northeast Credit Union (NECU) does not provide, and is not responsible for, the product, service, or overall website content available at third party websites. NECU also advises members that NECU privacy policies do not apply to linked websites and that a viewers should consult the privacy disclosures on that site for further information.

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