Hybrid Home Equity

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The Hybrid Home Equity Difference

We are the only financial institution in Kansas City that combines the flexibility of a home equity line of credit (HELOC) with the control of a home equity loan. Meet the Hybrid Home Equity (a.k.a. the best of both worlds). Here’s how it works: You get a master line of credit with a variable rate. You can draw on your master line anytime, at which point you can lock in a fixed rate on any portion of the balance for a set, easy-to-manage monthly payment.


Home Equity Rate – Special Offer

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Intro Rate

Rate as low as 2.74% APR1

the first year

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Thereafter Rate

Rate as low as 3.99% APR1

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The Benefits

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Flexibility

You have the ability to borrow up to 100% of the value of your home.
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Peace of Mind

We offer competitive rates. Plus, there’s no annual fee.
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Convenience

Transfer funds anytime, anywhere via Online Banking or our Mobile App.
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Control

Payment terms up to 180 months on the fixed portion of your balance.

Applying for a Hybrid Home Equity is Easy

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Resources

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Home Equity Calculator

Do the math to get an estimate of how much your home equity line of credit could be.
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Debt Consolidator Calculator

See how quickly you could get out of debt and how much interest you might save.
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Schedule an Appointment

Set up some time with an advisor in one of our locations to discuss your specific situation.
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Common Uses for Your Home Equity

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Home Improvements

Transform your home using the equity you’ve already earned to cover renovations.
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Debt Consolidation

Bring your debt under one roof — for one low payment at a reasonable rate2.
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Take a Trip

Plan and enjoy a vacation to your dream destination with the help of your home’s equity.
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Everything Else

Adoptions, weddings, emergency funds — that’s why we call it the “anything” loan.


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Profit Payout

We share our profit with our members.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout3. This year we gave back $8.4 million to our members.
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Hybrid Home Equity FAQs

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Homeowners Insurance

Protect the roof over your head, along with everything under it4.

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Mortgage

Our team of friendly local mortgage experts can help you get into your dream home.
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High Interest Savings

Grow your money faster at a rate of up to 4.00% APY5 on balances up to $1,500.

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