What is a HELOC?
A home equity line of credit is an open-ended loan that allows you to borrow multiple times over the life of the loan, up to your credit limit. With a HELOC, you can pull whatever funds you need, when you need them. You will only pay back what you borrow. This type of loan is great for annual expenses such as college tuition, or ongoing projects where costs may change or fluctuate like home remodels and repairs. From paying for that dream vacation or even consolidating your debt, your home’s equity can get it done.
Our Home Equity Lines of Credit feature:
- The ability to borrow against the equity you’ve built in your home
- Variable interest rates
- Multiple years of access to the funds
- An easy application process
Debt Protection
Debt Protection will cancel your balance or payments in the event of your death, disability, or involuntary unemployment. You can add it to an existing White Rose Credit Union loan at any time.
Speak to one of our representatives to learn more.
Access Your Accounts Anywhere
A full lineup of online services is available to compliment your banking experience and offer you the convenience of your finances at your fingertips. Transfer funds to and from your various savings accounts, pay your WRCU loans, and check your balances in seconds.
We are proud to offer personalized service. Speak to any of our representatives to learn more about our loan products and discuss your goals at no cost.
Home Equity Line of Credit
* APR = Annual Percentage Rate. All rates are based on “A+” credit and requires autopay. Rates based on Wall Street Journal Prime Rate. Home secured loans require homeowners and fire insurance. Other insurances may be required on Home secured loans, please speak with a Senior Member Service Representative for more information. Home Equity Line of Credit rates effective 10/1/2024. All rates are subject to change without notice.
You can apply online or in-person for any of our loan products.
Your initial application requires identification and proof of income. Depending on the loan type and situation, our lending team may reach out for additional documents.
We offer various convenient payment options for your White Rose Credit Union loan, including our Online and Mobile App, automatic transfers, ACH origination, check or money order, in-person payments and night deposit drop boxes at select branches.
Our Lending Department is available for your assistance if you run into hardship with your loan. There are various options and solutions available to our members during tough times. You can reach our Collector at 717-755-7309 for assistance.
We offer Debt Protection on our loans to provide assistance in the event that you become unable to pay your loan due to death, disability, or unemployment.
