Tap into YOUR Home's EQUITY for the FUNDS you need, with a low-rate Edge HELOC!

(Home EQUITY Line of Credit)

When it comes to financing, flexibility is key. Turn your home equity into a line a credit that?s there exactly when you need it.

Key Features

  • Competitive Rates
  • Anytime Funds
  • Quick Decisions
  • Local Service

Easily turn the equity in your home into ongoing, affordable financing!


Special intro rate for first 12 months, then variable rate of Wall Street Journal Prime minus 1.00%  for life of loan or floor rate, whichever is higher.

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Funds easily available via in-person or phone transfers to a specified Worcester CU checking account
  • The interest paid might be tax deductible(consult tax advisor) 
  • Set up automatic payments to be deducted from your account monthly
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Current Rates

2Consult a tax advisor.

Early termination fee of $1,000 if paid off within the first 36 months. 

Bank Your Way 24/7/365
Telephone Teller • Online Banking • Mobile Banking

Electronic Banking

Worcester Credit Union is INSURED by National Credit Union Administration (NCUA) and Massachusetts Credit Union Share Insurance Corporations (MSIC). The NCUA insures all deposits up to $250,000 per account owners. All deposits above NCUA limits are fully insured by MSIC.

WCU Partners with Mass Save HEAT Loans - learn more