Turn Your Home Equity into Possibilities

Your years of homeownership have built real value. Now let that value work for you.

ESL Home Equity Solutions give you the flexibility to tap into your home’s value when it matters most. Whether it’s a home system that needs fixing, an unplanned expense, or a project you can’t put off, your home equity can provide the funds you need — without the stress of scrambling for solutions.

ESL Home Equity
Line of Credit

Use your home's increasing value for flexible borrowing to pay off higher-interest rate debt.

12-MONTH INTRODUCTORY RATE AT

3.95% APR1

with an LTV up to 90%

then

7.25% APR1

with an LTV up to 80%

Tap into your home equity with fixed monthly payments and start chipping away at higher-interest rate balances.

6.75% APR2

with an LTV up to 80%

Borrow From Your Home’s Equity for:

  • Simpler budgeting and planning
  • One streamlined payment
  • More financial flexibility

Why Finance with ESL?

  • More Savings: Enjoy no closing costs,3 lower interest rates, and higher borrowing potential.
  • Personalized Guidance: We'll discover the right solution for you together.
  • Unwavering Support: We’ll simplify the process and help you every step of the way.
  • No Surprises: You’ll get clear expectations, so you know what’s next.
  • A Chance to Earn: Possibly earn more each year in your ESL Owners’ Dividend.4

Access your home’s value for what matters now — and what comes next — with ESL Home Equity Solutions.

1. HOME EQUITY LINE OF CREDIT: Rate shown as of 3/1/26 and is subject to change without notice. The introductory rate is fixed for 12 months from the time of closing. Thereafter, the contract rate is based on Prime Rate plus your contract margin and may vary monthly but never exceed 15.9%. The Prime Rate was [current prime rate] as of [current prime rate date] and the rate featured is based on a loan-to-value ratio up to 80%. There are other rates available for a loan-to-value exceeding 80%. Minimum line amount is $5,000. Offers are for new accounts only and subject to credit approval. Actual rates may vary. Membership subject to eligibility. ESL is a registered service mark of ESL Federal Credit Union.

2. HOME EQUITY LOAN: Annual Percentage Rate (APR) shown as of 10/2/25 and is subject to change without notice. The rate featured is based on a loan-to-value ratio of up to 80%, terms between 121-180 months and ESL listed as the first lien holder on the property. Payment example on a 15-year term, first lien position, fixed-rate loan of $50,000 at 6.75% APR (as of 10/2/25), 180 monthly payments, has a payment of $442.45. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation will be greater. There are other rates available for a loan-to-value exceeding 80%, for terms between 48-240 months and other ESL lien positions. Minimum loan amount is $5,000. Rates are available to new accounts only and subject to credit approval. Actual rates may vary.

3. ESL pays for all closing costs and fees. However, if you close your account within the first 36 months of your account open date, you must reimburse us for actual costs and fees paid in connection with opening your account. Property insurance and flood insurance, if applicable, are required.

4. Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.