Now’s the time to remodel your basement, create a backyard oasis or both with a Home Equity Line of Credit (HELOC). Introductory rates are as low as 1.903% APR* for 12 months (current variable rate is 3.457% APR).

Asha, a Minnesota resident, in front of a home with solar panels.
Asha, Minnesota Resident


Tap into the equity in your house to get the home of your dreams. What makes this option even better? You’ll enjoy a quick application, limited requirements and a personal mortgage loan officer who’s got your back.


Access cash as needed with a HELOC. As you pay down the loan balance, funds become available for us again. Learn how it works.

Personal Service

Your dedicated Affinity Plus mortgage loan officer will guide you through the entire loan process to help you achieve your home goals. Contact a mortgage expert.

Easy Loan Process

Apply online in under 10 minutes. Not sure what's involved? Learn how the application process works and how to be prepared.


Save money in interest with our special low-rate offer, and competitive closing costs. Plus, theres no penalty for early loan closure.

Hurry, this special introductory rate offer ends 5/31/22!
Good to know

*APR = Annual Percentage Rate. 1.903% introductory variable APR is available for 12 months after the date the loan is funded. At the beginning of the thirteenth month, the standard, non-promotional rate will apply, currently at 3.457% APR. Minimum monthly payment may change as a result of rate adjustment. The stated rate is the lowest rate offered on a maximum 10-year term with Loan-to-Value (LTV) of less than 90%. The rate is effective as of May 6, 2022, and is subject to change based on market conditions and borrower eligibility. Actual rates are based on credit history, loan term, and Loan-to-Value (LTV). All loans are subject to credit approval. Closing costs will apply and will range from $340-$1,000. Ranges are based on minimum loan amount of $10,000 and maximum of $100,000. Homeowner’s property insurance is required. The annual percentage rate (APR) for home equity lines of credit is based upon The Wall Street Journal Prime Rate ("Prime") plus a margin, and will vary with Prime. The maximum APR is 18%. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, Combined Loan-to-Value (CLTV), and/or property type. 10-year draw period followed by a single balloon payment of the entire outstanding balance. Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 90% of the property value on 1-4 family, owner-occupied properties. Non-owner-occupied properties subject to different terms. Offer does not apply to existing Affinity Plus Federal Credit Union credit lines.