Your home has equity. Are you ready to make it work for you?

Turn the equity you’ve built into a smart, flexible financial solution that helps you meet your goals. Use your home equity to fund repairs, renovations, and unexpected expenses.

Home Equity Line of Credit

Make your home equity work for you.

LOW 12-MONTH INTRODUCTORY RATE AT
3.95%APR1
with an LTV up to 90%.
THEN
7.25%APR1
with an LTV up to 80%.
APPLY ONLINE

Stay in Control of Your Finances With:

  • No closing costs and no annual fees2
  • Lower rates
  • One streamlined payment
  • More financial flexibility & savings

Improve Your Living Space With ESL

  • Personalized Guidance: Your situation is unique. That’s why we go beyond cookie-cutter guidance.
  • Unwavering Support: Experience a simpler process and get help whenever you need it.
  • No Surprises: You'll know what to expect and when to expect it.
  • A Chance to Earn: Possibly earn more each year in your ESL Owners’ Dividend.3

Your home isn’t just where you live — it’s a financial solution that can help you take care of those repairs that can’t wait. Get started today with ESL.

1: Rate shown as of 6/1/26 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. 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.

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