Remodel, repair, or refresh your home.
Pay down or consolidate debt.
Take the trips of your dreams.
Your HELOC advantages.
A HELOC is a simple, flexible way to access your home’s equity, so you can focus less on how it works, and more on what it can unlock for you.
- No closing costs1
- Instant access to funds when you need them
- Ten years to spend, ten years to repay
I'm deeply grateful for Everwise's programs, and the exceptional support. As a single mom who once felt everything was out of reach, I can confidently say, if I can do it, so can you!
The level of dedication and service is exactly why I continue to bank with Everwise. I was especially impressed with the speed and professionalism throughout my recent experience purchasing my home—I truly could not ask for better!
I recently purchased a home through Everwise, and the exceptional friendliness of everyone I encountered made a lasting impression. Everything was handled with the highest level of professionalism and efficiency.
Make your next move, without moving.
With ten years to use your funds and ten years to repay, you can move at your own pace. Start your next chapter sooner. With funds available in as little as two weeks, you can start your next chapter fast.
Big dreams deserve simple banking.
At Everwise, we put you first, helping you to grow and secure your finances so you can live life confidently.
*APR = Annual Percentage Rate. The Home Equity Line of Credit (HELOC) is offered for primary residences only (1st or 2nd mortgage). Not for commercial use. Not all borrowers will qualify for lowest rate of 6.75%. Lowest rate offered is based on max LTV of 80%. As of April 15, 2026, rates range from 6.75% to 8.75% based on credit score. Variable rate loan. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and the APR will vary from a low of 3.00% to a maximum of 12.00%. Minimum Payment Options: 1% of the outstanding balance, interest due, or $50 (whichever is greater) or Interest-only if qualified. If you make only the minimum payment during the term of your loan, a balloon payment may be required when the repayment period ends. The minimum approved credit line is $10,000 and the maximum is $250,000. Loans subject to a ten-year (10) draw period and ten-year (10) repayment period. Homeowners Insurance is required. Flood Insurance may be required. Property must be located in Indiana or Michigan.
1 Associated costs: There are no closing costs, however if a full internal/external appraisal is required or requested, you will be required to pay an appraisal fee of up to $750. All third party fees associated with opening your account are waived if you keep your home equity line of credit open for 36 months. If you close your home equity line within 36 months from the date it is opened, you will have to reimburse us for up to $500 of any third-party closing costs that were waived (unless refinancing with Everwise).
Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.