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A dollar bill character painting a house.
A dollar bill character painting a house.

Unlock Your Hard-Earned Equity

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Unlock Your Hard-Earned Equity

APPLY NOW
A dollar bill character painting a house.
A dollar bill character painting a house.
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An America First home equity line of credit (HELOC) gives you convenient, ongoing access to the value you’ve built in your house.

Plus, for a limited time, we’re offering an introductory 3.74% variable APR* for the first six months!

Whether you’re planning some improvements that will increase the value of your property, consolidating higher-interest debts, covering education costs, or making a major purchase, a HELOC offers flexible borrowing and the ability to draw funds over time instead of all at once.

You’ll only pay interest on what you use, helping you stay in control of your finances while achieving your goals. Click below to get started.

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*Introductory variable Annual Percentage Rate (APR) is subject to eligibility, terms, conditions, creditworthiness, criteria & change. Homeowner's insurance, property requirements, and other fees may apply. Home equity loans have a maximum 18% APR.

Today's Rates
APR as low as
3.74%
Intro Rate Home Equity Line of Credit
OUR PRODUCTS
TERM
5 Years
APR* (AS LOW AS)
6.49% Variable
TERM
5 Years
APR* (AS LOW AS)
6.74% Variable
TERM
APR* (AS LOW AS)
7.24% Variable
TERM
APR* (AS LOW AS)
7.49% Variable
TERM
APR* (AS LOW AS)
7.99% Variable
TERM
APR* (AS LOW AS)
8.24% Variable
TERM
APR* (AS LOW AS)
12.24% Variable

* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, January 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.

PRODUCT TERM APR* (AS LOW AS)
No Closing Costs Fixed For 5 HELOC 50% LTV 5 Years 6.49% Variable
No Closing Costs Fixed For 5 HELOC 80% LTV 5 Years 6.74% Variable
No Closing Costs Home Equity Line 50% LTV 7.24% Variable
No Closing Costs Home Equity Line 80% LTV 7.49% Variable
Interest-Only Home Equity Line of Credit 50% LTV 7.99% Variable
Interest-Only Home Equity Line of Credit 80% LTV 8.24% Variable
Home Equity Line 100% LTV 12.24% Variable
* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, January 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.

* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Tuesday, July 15, 2025 12:00 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.

* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Tuesday, July 15, 2025 12:00 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
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**Discounted Annual Percentage Rates (APRs), may apply on approved credit. Eligibility & conditions apply. Available on 80% or lower loan-to-value (LTV) products. Qualifying members must have current America First long-term or home equity first mortgages. Not available on interest-only & non-owner-occupied HELOCs. Discount remains in effect for loan's full term.

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Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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