Today’s a great day to make your dreams come true.

What does "home" mean to you? The list could be long, or it could be short and sweet. However you define it, your new-and-improved space is just a home equity loan or line of credit away.

Affordable payments | No closing costs*

Home Equity Loans

Turn the place you live into a space you love.

If you’ve already perfected your nest, you can use an Earthmover Home Equity Loan to perfect many other aspects of your life, like going back to school or taking that dream vacation you’ve been putting off.

No closing costs*

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The Value Equation

Don’t be afraid to tear down some walls.

Should you go with a home equity loan or home equity line of credit? Here’s how to tell which is right for you: If you know exactly how much your renovation will cost, a home equity loan offers a lump sum at a fixed-term rate. If you’re not sure how much you need to borrow and want to draw money as you need it, a home equity line of credit is for you—it’s a revolving credit line and you only pay interest on what you borrow.

Home Equity Lines of Credit

Renovate beyond your front door.

With an Earthmover Home Equity Line of Credit, you can renovate more than just your home. Debt consolidation, vacations, big-ticket purchases, unexpected emergency costs—whatever you need, your home has you covered.

No closing costs*

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Which is right for me?

Home Equity vs. HELOC?

Both of these loans have one thing in common: they use the equity in your home to secure funds. What those funds are used for is up to you, but how they're paid back is a key difference between the two.

Home Equity Loan Home Equity Line of Credit
Adjustable interest rate
Fixed interest rate
Receive a lump sum
Draw money as you need it
Pay interest only on the amount you draw
Can use funds for anything you need them for

What will my monthly payment look like?

That’s a great question and the answer looks different for everyone. Give our loan calculator a try and get a better understanding of what your monthly payment might look like.

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Monthly installment

This calculator is for estimation and informational purposes only. Price presented is not a final, binding notification of what your actual monthly payment will be. Speak to an Earthmover team member for more information.

More ways Earthmover Credit Union can help.

Always at your side

We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.

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Working to keep more money in your pocket

Last year we were able to save our members more than $7.6 million by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.

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Saving comes naturally.

Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.

At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.

We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.

Aim to save