Home Equity Line of Credit

The options are endless with an Idaho Central Home Equity Line of Credit. Tap into the equity in your home for things like home improvements, debt consolidation, vacation, and more. It’s time to start dreaming!

Couple reading floor plans together


You want a line of credit borrowed against the equity of your home.

Gain Your Equity Power

You have equity power in your home. That’s right! Power to finish your basement, remodel the kitchen, or even take a dream vacation. It may be the last loan you’ll ever need.

  • Low-variable rate
  • Interest-only payments
  • Easy access to funds with a Visa card
  • Ten-year line of credit
  • Lock in your rate for nine months (learn more)

Ways to Use Your Equity

  • Home improvements
  • Debt consolidation
  • Vacation
  • Tuition
  • And more!

The Do’s and Don’ts of HELOCs

Home Equity Lines of Credit give you a lot of buying power using the equity of your home, and with great power comes great responsibility. With our step-by-step guide you can have the confidence to harness your home’s potential!

Lock in Your Rate for 9 Months

Do more with your home’s equity. With an Idaho Central Home Equity Line of Credit, you can lock in your interest rate for nine months!

You must have an existing mortgage in Idaho or the Spokane, Washington area. The rate will be fixed for nine months. After the nine-month period, the rate is subject to change monthly based on the index and margin associated with your loan.


Loan Interest Rate APR
Home Equity Line of Credit 8.500% 8.500%

*The Variable Annual Percentage Rate (APR) listed is currently our best rate and will not exceed 24.00% APR. Variable rate means the rate may change after consummation. Your rate and/or term may vary depending on credit history and underwriting criteria.

Rates valid for Monday, October 2 2023

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