Home Equity Lines of Credit (HELOC)

Home equity lines of credit (HELOC)

When you need more access to credit but don't want another credit card, why not leverage your home equity? Drive the best value for your home with One Nevada's home equity line of credit.

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Understanding home equity lines of credit

Leverage your home equity
Access credit as needed
Spend equity for anything

Benefits of Home Equity Lines of Credit

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Home Equity Lines of Credit or HELOCs have many advantages. Borrow only what you need as you need it, and benefit from much lower interest rates than other types of loans such as credit cards. Interest on your HELOC may even be tax deductible. This flexible solution is a great way to use the equity you've built in your home to finance whatever you need.

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Local Home Equity Expertise in Nevada

One Nevada Credit Union offers home equity loans with competitive fixed rates, no annual fees, and financing up to 75% of home value. Nevada members benefit from local decision-making, flexible 15-year terms, and potential tax advantages. Enjoy personalized service, unlike what’s available at traditional banks.

Choose One Nevada Credit Union for home equity loans backed by Nevada’s largest locally-based credit union. Members enjoy lower fees than banks, dedicated Nevada-based loan officers, and community-focused lending decisions: finance home improvements, debt consolidation, or significant expenses with trusted local service.

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Home Equity Loans

7.50%^{Rate ^*}

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Home Equity Lines of Credit

7.00%^{Rate ^*}

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Mortgage Calculators

How much can you save?

Trying to decide between a home equity loan and a HELOC? Use our calculators to help you make the best decision for your finances and your future.

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12Jun

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All the HELOC information you need

Home Equity Lines of Credit FAQs

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What’s the difference between a home equity loan and HELOC?

A home equity loan lets you borrow up to 75% of your equity in a lump sum. A HELOC enables you to open a line of credit against the same amount, so you only pay interest on your use.
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Is a HELOC or a new credit card better?

A credit card may have a higher interest rate than a HELOC, but you can avoid interest if you pay it off every month. However, a HELOC may be the better choice if you need to carry a varying balance.
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Should I get a personal loan or a HELOC?

A personal loan may be right for you if you need to borrow a specific amount. A home equity line of credit is more useful when you are not sure how much you’ll need for a home renovation project.
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How much credit can I get with a HELOC?

The dollar amount of your credit line will depend on the loan-to-value (LTV) ratio. LTV is determined by how much your home is valued compared to how much your loan is. Your maximum will be 75% of your equity.
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What do I need to open a HELOC?

You will need your current mortgage statement plus your two most recent pay stubs to get started with your home equity line of credit application. From there, we will use various means to establish your creditworthiness and the maximum credit limit you can borrow.
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¹Rate = Rates are determined by individual credit standing, collateral age, collateral value, and loan term. Rates may differ.

Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
No payments for 90 days are valid for qualified individuals who finance directly with One Nevada. Rates and repayment terms may vary when financing through a local dealership.
Federally Insured by NCUA. Equal Housing Opportunity.

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Home equity lines of credit (HELOC)

Understanding home equity lines of credit

Benefits of Home Equity Lines of Credit

Local Home Equity Expertise in Nevada

Home Equity Loans

Home Equity Lines of Credit

How much can you save?

You Don't Need a Fortune to Start Investing

Home Equity Lines of Credit FAQs

Have More Questions?

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