Home Equity Loans & HELOCs | Argent Credit Union

Use your equity to fund renovations that increase your property’s market worth.

Enjoy the peace of mind that comes with fixed monthly payments and no surprise hikes.

Roll credit card balances into one lower-interest payment and save thousands in interest.

Home Equity Line of Credit

The flexibility of a credit card, the low rate of a home loan.

Best For: Home improvements over time, unexpected repairs, or tuition.
Introductory Rate: 3.49% APR* for the first 12 months.
No Closing Costs: Keep your cash in your pocket; we cover the standard closing costs.
Borrow & Repay: Draw only what you need, when you need it. As you pay it back, the credit becomes available again.
Limit: Lines starting at $10,000 up to 90% of your home’s value.

The security of a fixed rate and a one-time payout.

Best For: Large one-time projects (new roof, pool) or high-interest debt consolidation.
Predictability: Your monthly payment and interest rate are locked in for the life of the loan.
Lump Sum: Receive the full amount upfront to tackle your big goals immediately.
No Hidden Fees: Competitive rates with transparent terms.
Flexible Terms: Repayment options tailored to fit your monthly budget.

Find the perfect fit for your home improvement or financial goals.

Feature	Home Equity Line of Credit	Home Equity Loan
Best For	Ongoing projects, tuition, or emergency funds.	One-time costs like a new roof or debt payoff.
Rate	Variable (Moves with the market).	Fixed (Never changes).
Term	10 year draw/10 year repayment	5 or 10 years
Loan Availability	Lines available from $10,000 up to 90% of your home’s equity.*