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Open the Door to Flexible Cash

Woman remodeling home

A Red Rocks Home Equity Line of Credit (HELOC) offers flexible cash to cover both planned and unexpected expenses by allowing you to draw what you need when you need it. Plus, with our fixed-rate option, you can have better peace of mind with predictable payments.

Convert $10,000 or more of your variable-rate HELOC balance to a fixed-rate loan option! 

Fixed rates as low as 4.99% APR1 | Terms up to 15 years1

  • Variable rate
  • Minimum loan amount of $10,000
  • Borrow up to 89.9% of the value in your home
  • Interest accrues on balance advanced, payment is 1% of balance owed
  • Flexibility to use whatever funds you need, when you need them

For any Red Rocks loan, you must have a membership with Red Rocks Credit Union and maintain a minimum savings account balance of $5.

Current Rates

Loan-to-valueAPR**
Up to 89.9% LTVas low as 5.25%
*Annual Percentage Rate (APR) for the HELOC product is accurate as of publication date and is subject to change. Published rates are based on approved credit and combined loan-to-value and adjust monthly based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 25th of each month of each year. To determine the APR that will apply to your line of credit, we add a margin to the value of the index.

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