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Home Equity

Fixed-Rate Home Equity Loans

Enjoy the peace of mind that comes with a fully amortized repayment plan at an unchanging rate. Perfect for those looking for stability and predictability in their financial planning.

A child watching her mother work on home renovations

Fixed-Rate Home Equity Loans are best if

You are looking to take a loan from your home's equity

Maximize Your Home Equity

Unlock the potential of your home’s equity with our Fixed-Rate Home Equity Loan (also known as a second mortgage). This loan provides a fixed rate, term, and set monthly payment, making it a reliable second lien on your home. This is a great option if you don’t want to refinance your existing mortgage.

  • Fixed-rate loan option
  • Fixed term and monthly payment
  • Borrow against home equity
  • Fully amortized repayment

Ways to Use Your Equity

Home renovations

Debt consolidation

Emergency fund

Vacation

And more!

A couple working on home renovations together

Another Option to Use Your Home’s Equity

Homeowners have different needs when it comes to tapping into the equity in their home. That’s why ICCU offers a home equity line of credit (HELOC) with benefits that suit your needs.

Learn More

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How