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Home Equity Lines & Loans

Be sure to check our out our new home equity rates and tiers! Please call or email us at the contact information below with any questions, for an appointment or an application. 

Home Equity Line of Credit

Your home can help:

  • Major remodeling, new roof or finished basement
  • Consolidate higher-interest rate debt
  • Prepare or pay for emergencies

If you're a homeowner, a Home Equity Line of Credit is one of the best ways to borrow. Get access to a revolving credit line that allows you to borrow up to 95% of your home's value. Just use the amount you need, when you need it!

  • No annual fee and low closing costs
  • Easy access through Online banking
  • Competitive variable rate of interest
  • Interest only payment options available
"How much equity do I have?" Here's an example:
Appraised value of home $100,000
Multiply by 95% $ 95,000
Subtract balance of first mortgage loan - 60,000
Potential line of credit $ 35,000

Access is easy! Through online banking or with specially issued Home Equity Line of Credit checks.


Home Equity Loans

Although similar to home equity lines, second mortgages feature a fixed rate for a fixed period of time. A home equity loan is often used for a large purchase or debt consolidation.

  • Competitive fixed rate of interest
  • Terms range from 5 to 15 years
  • Borrow up to 95% of the home's loan to value**
  • Interest rate is determined by the amount of equity and the term

    See all the fixed rates and terms available on home equity loans

    To schedule an appointment or ask any questions, contact us at 597-2800 or memberservices@oucu.org

Mortgage originators Shelbee Wagener, Eva Bloom and Abigail Jenkins can help explain all your options to help you find the loan that best fits your needs and financial situation. For more information or for current rates, please contact:

Shelbee Wagener, Eva Bloom & Abigail Jenkins
Shelbee Wagener, Eva Bloom & Abigail Jenkins


Shelbee Wagener
Mortgage Originator
Shafer St. Office
(740) 597- 2801
NMLS # 1588749


Eva Bloom
Mortgage Originator
W. Union Street Office
(740) 597-2801
NMLS # 586117


Abigail Jenkins
Mortgage Originator
E. State Street Office
(740) 597-2801
NMLS # 1122095



*Property must be primary residence in the state of Ohio. Equity Rate is subject to quarterly adjustment. ** Qualified buyers.

MortgageClick Reg. U. S. Pat. & T/M off.