Home Equity

Unlock the door to home improvements. The low rates we offer let you take advantage of the equity you've built up in your home so you can:

  • Remodel or put in a pool
  • Consolidate bills
  • Pay for college tuition
  • or anything else you can dream of... 

Home Equity Line of Credit

The money is ready when you are
A home equity line of credit works like a revolving line of credit - you borrow money as you need it. You can transfer funds in online banking and have the funds available for instant use.

Credit card access makes it simple
Whether purchasing building supplies or buying tile flooring for your new kitchen, reach into your wallet and use your Equity Advantage Mastercard. 

  • Borrow up to $250,000 with a Loan To Value (LTV) of 80% or less
  • Borrow up to $150,000 with a LTV of 90% or less
  • Zero points
  • No lender closing costs**
  • Arizona, California and Nevada only 

Home Equity LOC

Introductory APR* as low as


Apply Now

*APR = Annual Percentage Rate. The Equity Advantage Line of Credit is an adjustable rate loan subject to change. The 2.99% APR is an introductory discounted rate for a period of six billing cycles, after which the APR will increase to the current fully indexed rate of Prime Rate (the Index) plus your Margin and is subject to change quarterly thereafter. The current 5.25% APR, which is accurate as of October 1, 2018, and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 90% and maximum loan amount of $150,000. The minimum credit limit is $10,000 and the maximum is $250,000. Maximum rate is 18%. Rates are subject to change without prior notice. Restrictions apply. Not all applicants will qualify. See Credit Union for qualifications and full details.

**Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.

Express Home Equity Loan

You'll love the low, fixed-rates that let you to tap into the equity of your home, giving you access to funds so you can:

  • Update your kitchen and bathrooms
  • Consolidate high interest debt
  • Buy an RV and build the garage to house it in 

Money saving benefits

  • Borrow up to $250,000** with a Loan To Value (LTV) of 80% or less
  • Borrow up to $150,000** with a LTV of 90% or less
  • Zero points
  • No lender closing costs**
  • Arizona, California and Nevada only

Get a tax break
Another great benefit of a home equity loan is the possible tax benefits. Be sure to ask your tax advisor how this loan may affect your taxes.

Express Home Equity

APR* as low as


Apply Now

* APR = Annual Percentage Rate. Rates as of 07/16/2018 and subject to change wtihout notice. Your interest rate and maximum loan-to-value (LTV) will be determined by the property type, amount financed, loan term, and your credit history. Payments on a home equity loan at 3.75% APR for 60 months are $29.42 per $1,000 borrowed. Payment based on a maximum LTV of 80% with a maximum loan amount of $150,000. Available in Arizona, California and Nevada only. Gain Federal Credit Union NMLS #407810

If you are using a screen reader and are having problems using this website, please call (800) 622-3328 during regular business hours for assistance. Regular business hours are Monday - Thursday, 9:00 am - 5:00 pm, Friday 8:00 am - 6:00 pm and Saturday (Telephone Hours Only) 9:00 am - 3:00 pm