You've got equity in your home. Use it how you need it.
Access your home’s equity with Credit Human. With low, fixed payments, use funds for major expenses or roll multiple debts into one payment to maintain focus on long-term financial health.
Prefer to speak with a home loans advisor first? We’re available Monday–Friday from 8:30 AM to 5:30 PM and Saturdays from 9:00 AM to 12:00 PM at 800-688-7228. Call us at 800-688-7228.
Let your home's equity work for you
When large expenses pop up, your home equity can be a great source of financing. Unlike some home loans, a home equity loan can be used for more than just upgrades to your home.
Key benefits of a home equity loan from Credit Human
Up to 80% of your loan-to-value
You can use your loan for more than just home improvements—you can use it to pay for everything from education expenses to unexpected large purchases.
Flexible loan terms for loans of all sizes
Take out a loan from $15,000 to $350,000 based on your equity, and with terms up to 20 years you can pay it back over time.
Consistent payments and early payoff
You know exactly what you owe each month, and you can pay off your loan faster with no penalties if it makes sense for you.
Quick decisions and fast funding
You'll get a decision quickly—often within on business day and we fund our loans in as little as 15 days.
Understanding Your Home’s Equity
The equity in your home is the value of your home less any outstanding loans owed against it. A home equity loan allows you to borrow up to 80% of the value of your home.
Home Equity Example
If your home is valued at $100,000 you may borrow up to 80% of its value or $80,000. If you already have a home loan of $55,000 you would have $25,000 in equity that you may be able to borrow ($80,000 - $55,000 = $25,000).
Our commitment to you
No jargon. No lectures. Just guidance and refinancing options that fit your goals.
Your home holds more than memories. It can also create new possibilities. Whatever your financial needs, Credit Human is here to help you make decisions with clarity.
You’re more than a loan or interest rate to us. You’re part of a community, and you deserve a partner who listens and works with you to find the right path.
As a credit union, we focus on people over profits. Our mission is to help communities reduce financial stress so individuals and families can move forward with confidence.
It’s a different kind of relationship. One built on trust, guidance and support you can feel.
Borrow against your home equity and use the cash for what you need.
Home equity rates
| Term | Rates as low as | APR as low as | Minimum Loan Amount | Maximum Loan Amount |
|---|---|---|---|---|
| Up to 15 years | 6.950% | 7.116% | $15,000 | $350,000 |
| 20 years | 6.975% | 7.109% | $15,000 | $350,000 |
| Term | Rates as low as | APR as low as | Minimum Loan Amount | Maximum Loan Amount |
|---|---|---|---|---|
| Up to 15 years | 7.850% | 8.020% | $15,000 | $250,000 |
Rates are effective as of June 2, 2026
Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees, and other charges that you have to pay to get the loan.
Disclosed rates are based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80%.
Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.
Focused on lowering your payments, not on using the equity?
Check out our home refinance options to replace your current mortgage with something that fits your needs.