At Colorado Credit Union, your home is more than a place—it’s the foundation of your dreams. We’re proud to serve our neighbors across Denver, Littleton, Brighton, and the Front Range with home equity solutions that empower your financial journey. Whether you’re planning a renovation, consolidating debt, or preparing for life’s big moments, we’re here to help you move forward with confidence, backed by local roots and a commitment to our community.

“It is amazing to work with a company where the phone is always answered, all questions are responded too, and they just care about the customers experience. I did a personal HELOC with Colorado Credit Union and it was by far the easiest loan I have ever received. Thank you!” —  Brian P, CCU Member

Flexible Financing Options: HELOCs & Fixed-Rate Second Mortgages

Unlock the value in your home with competitive rates and personalized service. Choose between one of our Home Equity Lines of Credit (HELOCs) for flexibility or a Fixed-Rate Second Mortgage for predictable payments. Both options are designed to fit your goals and give you peace of mind.

 

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Compare Your Options

Choose the financing that fits your goal and cash-flow style. 

 

Product	Best for	Rate   (as low as)	Term	Payment Style	Key Benefits
Interest‑Only HELOC	Flexible cash flow, phased projects, short‑term needs	7.00% APR*	25 years (10‑yr draw + 15‑yr repayment)	Interest‑only during draw; principal + interest in repayment	Lower payments during draw, pay interest only on what you use
Platinum HELOC	Long‑term flexibility, emergency funds, ongoing access	7.00% APR*	25 years (10‑yr draw + 15‑yr repayment)	Principal + interest from day one	Steady amortization, revolving access to funds
Fixed‑Rate Second Mortgage	One‑time expenses, debt consolidation, predictable budgeting	7.50% APR**	5, 10, 15, or 20 years	Fixed monthly principal + interest	Locked rate, set payment and timeline

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Interest-Only Home Equity Line of Credit (Interest-Only HELOC) 

Enjoy lower monthly payments during the 10-year draw period, giving you breathing room to focus on what matters most—your family, your home, your future. Use funds for home improvements, education, or unexpected expenses, all with the trusted support of Colorado Credit Union.

Best for: Flexible cash flow, phased projects, or short-term borrowing needs.

• Rate: As low as 7.00% APR*

• Term: 25 years (10-year draw + 15-year repayment)

• Payments: Interest-only during draw period; principal + interest during repayment

• Access: Borrow as needed, pay interest only on what you use

• Consider: Variable rate tied to Prime interest rate
  

Your smart safety net for life’s surprises. With a Platinum HELOC, you’ll have ongoing access to your home’s equity, so you can plan ahead without stress. Whether it’s a remodel or an emergency, we’re here for you—neighbors helping neighbors.

Best for: Long-term flexibility, emergency funds, ongoing access to equity.

• Rate: As low as 7.00% APR*

• Term: 25 years (10-year draw + 15-year repayment)

• Payments: Principal + interest from day one

• Access: Revolving line of credit, borrow as needed, only pay on what you use

• Consider: Variable rate tied to Prime interest rate

• Option: Refinance at the end of the 10-year draw period to convert options or extend access, keeping the funds available for any future emergencies, and providing you with peace of mind.

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Term	Rate as low as	Loan Amount Example	Payment Example
5 Years	7.50% APR**	$15,000	$300.70
10 Years	7.50% APR**	$15,000	$178.15
15 Years	7.75% APR**	$15,000	$139.14
20 Years	8.00% APR**	$15,000	$120.92

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How Much Can I Borrow?

Use our Home Equity Calculator to estimate your available equity and start planning today.

This calculator is for illustrative purposes only and not a guarantee to lend.

Apply Today!

Join thousands of Colorado families who trust Colorado Credit Union to turn home equity into opportunity. Apply Now and let our team help you unlock your home’s full potential. Call us at 303.978.2274 to speak with a Home Equity Specialist.

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What Is a Home Equity Loan or HELOC?

A Home Equity Loan or a Home Equity Line of Credit (HELOC) lets you borrow money using the equity you’ve built in your home.

A Home Equity Loan—often called a Fixed-Rate Second Mortgage—gives you a lump sum upfront with predictable, fixed monthly payments. A HELOC, on the other hand, works like a revolving line of credit, giving you flexible access to funds as needed during a 10-year draw period.