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Home Equity

Bet you didn't know you could find the money you need right there in your own home! Tap into your home's equity to fund that major expense, and leave your savings funds intact!

Our home equity loans have low rates and flexible terms. Talk to a Zia Credit Union lender about how you can get started.

See Current Rates

Summary
  • Use your home equity as collateral for financing
  • Loans and lines of credit available
  • Leave your savings intact
  • Competitive low rates
  • Easy payment plans
  • Local decision-making
  • Friendly, attentive service
Home Equity Line of Credit (HELOC)

Be ready with financing whenever you need it. Use your home's equity as collateral for a line of credit. It's easy to draw what you need, when you need. And you'll only have to pay interest on what you use. You may even reuse without having to reapply! Open a HELOC today!

  • Revolving line of credit from your home's equity
  • Competitive rates
  • Easy to access funds whenever you need
  • Pay interest only on what you use
  • Local decision-making
  • Friendly, attentive service
Term Loan

Use your home's equity as collateral for a loan. Use the proceeds to make improvements to your home, consolidate debt, buy a vehicle, and more! A home equity loan may provide you a tax advantage - Check with a tax advisor about potential deductibility of interest. Apply for a Home Equity loan today!

  • Potential tax benefit
  • Competitive rates
  • Set payments for term of loan
  • Friendly, attentive service
  • Local decision-making