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    Home Equity Products

    Great value and flexibility for whatever you need.

    Eastman Credit Union will be steadfast at your side helping you manage the equity in your home.

    Whether you're thinking of remodeling, helping your child with tuition, updating your furniture, or paying off medical bills, an ECU home equity loan gives you great value and the flexibility you need to accomplish your goals.

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    Home Equity Line of Credit

    It's all about what you want and when you want it with a Home Equity Line of Credit.

    A Home Equity Line of Credit enables you to use the equity in your home as collateral to make advances on a line of credit for an agreed period of time. Similar to a credit card, the advances made are not to exceed the credit limit.

    Please note that this product is not available in Texas.


    • Adjustable and Interest-only products available
    • ECU pays the majority of your fees
    • Easy access to your Home Equity Line of Credit with the Equity Express® Debit Card
    • Minimum loan amount of $10,000

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    Equity Express® Debit Card

    It's all about convenience with the Equity Express® debit card. Use the card like you would a Visa® debit card to make purchases or cash advances. It's available on most of our adjustable and interest-only Home Equity Lines of Credit.  Ask your ECU mortgage loan specialist to open your Equity Express® at the time you are approved for a Home Equity Line of Credit.

    Please note that this product is not available in Texas.

    Home Equity Loans

    Whether you have a lot of equity in your home or just a little, ECU has a home equity loan that's right for you. With a home equity loan, you can use the equity in the home as collateral. These loans are useful in financing major events such as home repairs, medical bills or college education expenses.


    • Minimal closing costs
    • Up to 100% financing*
    • No prepayment penalty

    *Maximum loan-to-value is 80% on manufactured homes and 80% for homes in Texas.

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    • What is the difference in a Home Equity and a Home Equity Line of Credit (HELOC)?

      A home equity loan is for a specific amount of money at a fixed interest rate. 

      A HELOC allows you to a set up a line of credit where you may make withdrawals from a maximum available amount. The rate on a HELOC is adjustable.                     

    • How do I obtain money from a HELOC?

      Members may open an Equity Express Debit Card, request funds from the account on our website, or call 800.999.2328 to get funds from a HELOC.

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