Finance a home renovation, a vacation, and more with a line of credit — backed by the equity in your home.

Key Features

Competitive Rates

Competitive Rates

Revolving Credit

Revolving Credit

Tax Advantages*

Tax Advantages*

Local Service

Local Service

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more!
  • The existing equity in your home is used as collateral backing
  • Loan to value maximum of 80%
  • 5-year draw period
  • Minimum amount is $10,000 and maximum is $100,000
  • Accommodating repayment terms that work uniquely for you
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via check, in-person transfers, or online banking transfers to a specified Latah CU checking account
  • The interest paid might be tax deductible*
  • Local decision-making and processing in Northern Idaho
  • Helpful, friendly service throughout the entire process

Please call for rates, since they are subject to change. Other First and Second Mortgages: For details, rates or an application package, please contact the Credit Union Loan Department.

*Consult a tax advisor.