Home Equity Lines of Credit
Application Period Extended
A Home Equity Line of Credit (HELOC) is a flexible loan that uses the equity in your home as collateral. It works like a credit card—you can borrow money as you need it, up to a set limit, and only pay interest on what you actually use. Unlike a traditional home equity loan or a personal loan, you won’t start making payments until you withdraw funds. A HELOC can also be a great option for covering big or unexpected expenses, like home improvements for which you don’t have a set budget, or for which you’re unsure of the total cost. It’s also helpful for consolidating high-interest debt. With a Noble HELOC, you’ll pay no fees for origination, appraisals, or titles—saving you hundreds of dollars—through June 30, 2025.*
HELOCs vs. Personal Loans
Not sure which loan is right for you?
Home Equity Lines of Credit (HELOCs)
A revolving line of credit you can draw on when you need it
- Tied to your home’s equity
- Don’t pay until you start to withdraw
- Use as much or as little of the HELOC as you like
- Enjoy a lower interest rate
- Great for consolidating high-interest debt
- Interest can be tax-deductible
Whatever your goals, Noble has a loan option for every project and every budget. Apply today to get started!
Now for a limited time, HELOC applications for approved, eco-conscious upgrades qualify for a 0.50% APR** discount!
Eligible home upgrades include:
- Solar
- Replacing windows, doors, skylights, furnaces, air conditioners, heat pumps and attic fans with energy-efficient/Energy Star products
- Purchasing energy-efficient/Energy Star appliances – refrigerator, freezer, washer/dryer, dishwasher, stove, oven, and microwave
- Installing a solar water system for pool or spa
- Increasing energy efficiency with a fireplace insert
- Installing drought-tolerant/synthetic lawns
- Installing a recirculating hot water pump
- Installing rain gutters and rainwater harvesting products (e.g. rain barrels)
- Purchasing a sump pump
- Adding drip irrigation and irrigation controls
- Purchasing a swimming pool cover
- Purchasing an instant water heater
- Upgrading landscape to drought tolerant/xeriscape
- Installing a greywater reuse system
- Purchasing high-efficiency toilets
*No fee offer is available for loan applications received by 6/30/25—fees include application, processing, appraisal, and title fees. Amount available is dependent on many factors, including, but not limited to borrower’s credit history. All loans are subject to approval. Membership requires the opening of a savings account with at least a $5 deposit. Other restrictions apply. Program rates, terms, and conditions are subject to change without notice. Federally insured by NCUA. Equal Housing Lender.
**APR=Annual Percentage Rate. No-fee offer and APR discount offer available on applications received by 6/30/25. On approved credit. Membership eligibility required.
Interest may be tax deductible. Consult your tax advisor about deductibility.
Traditional Home Equity Loans
Imagine your next home improvement project; powered by your home's equity