Home Equity Loans and Lines of Credit

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Let your home unlock the door to unlimited possibilities.

So what exactly is this "equity" thing? It's basically the difference between your home's market value and the balance on your mortgage. It can serve as collateral for a low-interest DATCU loan or credit line. If you prefer, just call it "opportunity." Because it can be your ticket to pay for almost anything you can imagine.

Product Features


Choice of Loan Types

Get a lump sum or access to a revolving fund.


Low Interest Rates

Your home's value really works in your favor.


Easy Repayment Process

Schedule automatic payments with online banking tools.


No Restrictions

Use the money for whatever makes your life better.


Simple Online Application

It only takes a few minutes to get the process rolling.

Standard Home Equity Loans

Don't let the name fool you. You can spend the money on home improvements, but vacations, tuition, and debt consolidation are common uses as well. We give you a lump sump of money that you pay back in equal installments each month. Interest payments can be tax-deductible. Ask your accountant or tax advisor about that.

Home Equity Lines of Credit

What if you could apply for just one loan, and then borrow money again and again, just when you need it? That's the beauty of a line of credit. You have a set amount available for pretty much any purpose, but you don't pay any interest on it until you actually use it. Tapping into these reserves is as easy as writing a check or accessing your account with online banking tools.