Home Equity Loan
APR as low as
7.67% APR*

Home Equity Loan

You’ve worked hard to build up equity in your home. Now could be the time to access some of that equity while protecting your current mortgage interest rate. A home equity loan lets you borrow money against your home to pay for anything you need, such as home improvements or consolidating debt. Plus, there may be tax incentives for you with this type of loan.*

Unlock the value of your home with our home equity solutions. Whether you're looking to consolidate debt, fund a major purchase, or embark on a home renovation project, we're here to help you make it happen.

Home equity uses the value your home has built over time which is a store of potential value for you to tap into. Energy Capital Credit Union home equity loans include:

  • Low closing costs
  • Easy online application
  • Fast funding
  • Repayment terms up to 15 years
  • Same day pre-approval
  • Competitive rates

You Choose How You Use Your Home Equity Loan

The money is yours. Use it for whatever you need or want. These are just a few of the most popular reasons people get a home equity loan.

Add a Backyard Pool
Kitchen Remodel
Debt Consolidation
Adding Solar Panels
Education Expenses

Loan Process

Navigate the loan process with confidence with our transparent and efficient approach. Whether you're applying for a home equity loan, financing a home improvement project, or securing a mortgage, we're committed to making the process smooth and stress-free.

You can apply online or in-person allowing for maximum flexibility depending on your circumstances.

Over the phone or face-to-face, our friendly team is ready to begin your loan borrowing journey.

  • Our dedicated team will guide you through the application process, answering any questions and addressing any concerns along the way.
  • Enjoy a streamlined experience with quick approvals and timely funding, so you can focus on achieving your homeownership and financial goals.
  • Remember, if you're in the market for a mortgage, getting pre-approved before you start shopping can give you a competitive edge and help you move forward with confidence.

Lightning Fast Home Improvement

Transform your home with our lightning-fast home improvement loans. Whether it's a kitchen remodel, bathroom upgrade, or backyard overhaul, we offer the financing you need to turn your vision into reality in no time.

The vision you have for your space can be brought to life with a home improvement loan.

Don’t let finances be the reason you are unable to elevate your sanctuary and make it fit your needs and taste.

  • Get approved quickly and access funds fast, so you can start your project without delay.
  • Enjoy low interest rates and comfortable repayment terms, making your home improvement dreams within reach.
  • Our streamlined application process and dedicated support team make financing your project hassle-free.


Secure the keys to your dream home with our comprehensive mortgage solutions. Whether you are a first-time buyer, upgrading to a larger space, or refinancing your current mortgage, we have the expertise and options to suit your needs.

Every home and every borrower are unique and so are our mortgage options.

Regardless of your experience when it comes to home buying, our team here at Energy Capital will give you the blueprint for successful financing.

  • Explore a range of mortgage products tailored to your unique financial situation and homeownership goals.
  • Benefit from ECCU's exclusive rates and personalized guidance every step of the way, ensuring you get the best possible deal.
  • With our easy-to-use online calculation tools and attentive customer service, navigating the mortgage process has never been easier.

Insurance Coverage

In addition to financing your vehicle, we can also insure it via Energy Capital Insurance.

Get a free, personalized quote. Work with a single agent that will discuss options and help select the best coverage for you.

  • Enjoy the same name brand carriers but with the care and customization of your credit union
  • No obligation, free quote
  • Bundle multiple policies and save even more

It's Your Home.
Make it Truly Yours.

A lightning fast home improvement loan or a home equity loan can get you the money you need to quickly get home projects started.