{"id":2917,"date":"2025-05-20T23:37:40","date_gmt":"2025-05-20T23:37:40","guid":{"rendered":"https:\/\/www.noblecu.com\/wph\/workarea\/?page_id=2917"},"modified":"2025-07-01T20:07:11","modified_gmt":"2025-07-01T20:07:11","slug":"home-equity-lines-of-credit","status":"publish","type":"page","link":"https:\/\/www.noblecu.com\/wph\/workarea\/credit-cards-and-loans\/home-equity-loans\/home-equity-lines-of-credit\/","title":{"rendered":"Home Equity Lines of Credit"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Home Equity Lines of Credit<\/h2>\n\n\n\n<p>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\u2014you can borrow money as you need it, up to a set limit, and only pay interest on what you actually use. Unlike a <a href=\"https:\/\/www.noblecu.com\/wph\/workarea\/credit-cards-and-loans\/home-equity-loans\/\">traditional home equity loan<\/a> or a <a href=\"https:\/\/www.noblecu.com\/wph\/workarea\/credit-cards-and-loans\/personal-loans\/personal-loans\/\">personal loan<\/a>, you won\u2019t 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&#8217;t have a set budget, or for which you&#8217;re unsure of the total cost. It\u2019s also helpful for consolidating high-interest debt. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">HELOCs vs. Personal Loans<\/h3>\n\n\n\n<p>Not sure which loan is right for you? <\/p>\n\n\n\n<p><div class=\"band band-compare-block \"><div class=\"zone zone-compare-block\"><div class=\"feature-wrap feature-wrap-compare-block resizer column qty-3 qty-on-1 is-layout-flex wp-container-ncr-standard-compare-is-layout-9d6595d7 wp-block-compare-is-layout-flex\">\n<div style=\"width: calc(100% - 13.3333px);\" class=\"feature wp-block-ncr-standard-compare-item color-2\"><div class=\"feature-padding\"><div class=\"feature-image\"><\/div><div class=\"feature-content\"><div class=\"feature-content-image\"><\/div><div class=\"feature-content-text\" style=\"height: 53px;\"><h2>Home Equity Lines of Credit (HELOCs)<\/h2><h3>A revolving line of credit you can draw on when you need it<\/h3><\/div><div class=\"feature-content-wysiwyg\">\n<ul class=\"wp-block-list\">\n<li>Tied to your home&#8217;s equity<\/li>\n\n\n\n<li>Don&#8217;t pay until you start to withdraw<\/li>\n\n\n\n<li>Use as much or as little of the HELOC as you like<\/li>\n\n\n\n<li>Enjoy a lower interest rate <\/li>\n\n\n\n<li>Great for consolidating high-interest debt<\/li>\n\n\n\n<li>Interest can be tax-deductible<\/li>\n<\/ul>\n<\/div><div class=\"feature-cta\"><a href=\"\"><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"width: calc(100% - 13.3333px);\" class=\"feature wp-block-ncr-standard-compare-item color-2\"><div class=\"feature-padding\"><div class=\"feature-image\"><\/div><div class=\"feature-content\"><div class=\"feature-content-image\"><\/div><div class=\"feature-content-text\" style=\"height: 53px;\"><h2>Personal Loans<\/h2><h3>A lump sum loan<\/h3><\/div><div class=\"feature-content-wysiwyg\">\n<ul class=\"wp-block-list\">\n<li>Payments are due as soon as the funds are dispersed<\/li>\n\n\n\n<li>You receive one lump sum with a fixed interest rate &#8211; great for those sticking to a budget!<\/li>\n\n\n\n<li>Predictable monthly payments<\/li>\n\n\n\n<li>Loan amount and rate are tied to your credit worthiness<\/li>\n<\/ul>\n<\/div><div class=\"feature-cta\"><a href=\"\"><\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/p>\n\n\n\n<p>Whatever your goals, Noble has a loan option for every project and every budget. Apply today to get started!<\/p>\n\n\n      <div class=\"alignnone\">\n\t\t\t<a  class=' btn-1' href='https:\/\/app.loanspq.com\/he\/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD2Ikp-oc5jki4uzEnbZvx5SpDO6o7XmX5zVG5ZGPZkvOmXokIO5BS9peqyfZ3hxYqg&#038;_ga=2.81619607.1820911867.1721663222-1729946267.1713916457' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n      <\/div>\n\t\t\t\n\n      <div class=\"alignnone\">\n\t\t\t<a  class=' btn-1' href='https:\/\/app.loanspq.com\/he\/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD2Ikp-oc5jki4uzEnbZvx5SpDO6o7XmX5zVG5ZGPZkvOmXokIO5BS9peqyfZ3hxYqg&#038;_ga=2.81619607.1820911867.1721663222-1729946267.1713916457' target='_self' rel='noopener noreferrer'>Apply Now<\/a>\n      <\/div>\n\t\t\t\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"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\u2014you can borrow money as you need it, up to a set limit, and only pay interest on what you actually use. Unlike a traditional [&hellip;]","protected":false},"author":5,"featured_media":2943,"parent":38,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-2917","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home Equity Lines of Credit - Noble Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Equity Lines of Credit - Noble Credit Union\" \/>\n<meta property=\"og:description\" content=\"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\u2014you can borrow money as you need it, up to a set limit, and only pay interest on what you actually use. 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