Home Equity Loans and
Home Equity Lines of Credit


Put the equity in your home to work with an equity loan or line of credit from Provident. Your payments on a home equity loan or line of credit may even be tax deductible -- consult your tax advisor. Choose a closed end loan for a single purchase such as a car, or choose a line of credit with an Equity Platinum Visa to have instant access to your equity when you need it most. Click on one of the headings below for details.

Rates   Apply   Equity Specialist

Home Equity Loans (2nd Mortgages) 

If you like the stability of a predictable monthly payment this option provides a great fixed rate. It can be used for large purchases or debt consolidation with your choice of term options ranging from 5, 10, 15, or 20 years. Borrow up to 75%* combined loan to value (CLTV), with loan amounts up to $200,000.

Rates as low as 4.875% APR Apply

* Certain restrictions apply for CLTVs over 65%. See rates page for details.

Home Equity Lines of Credit (HELOCS)

Apply Now!

Ready to start tapping into your home's equity? To apply online for an equity loan (2nd mortgage) or for a HELOC with an Equity Platinum Visa, click on the apply button below.

Apply Online Now

To receive an equity loan or line of credit application by mail, call (800) 632-4600 and press 321, or e-mail our Real Estate Lending Department.

Provident Credit Union NMLS #412725.