Noble Credit Union

Routing #: 321172510

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Home Equity Lines of Credit

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.

Now through July 31, enjoy no fees* on new HELOCs – that’s nearly $500 in savings!

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

Personal Loans

A lump sum loan

  • Payments are due as soon as the funds are dispersed
  • You receive one lump sum with a fixed interest rate – great for those sticking to a budget!
  • Predictable monthly payments
  • Loan amount and rate are tied to your credit worthiness

Whatever your goals, Noble has a loan option for every project and every budget. Apply today to get started!

*No fee offer is available for loan applications received by 7/31/26—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. Other restrictions apply. Program rates, terms, and conditions are subject to change without notice.

Traditional Home Equity Loans

Imagine your next home improvement project; powered by your home's equity