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Fund your next project or adventure

Make it happen with a home equity line of credit (HELOC).

Eager to start your next big project or adventure? Do it with a home equity line of credit (HELOC). Home equity credit lines allow you to borrow against your home equity when you need it.


HELOCs are typically used for:
  • Home improvement projects
  • Easy access to cash in case of emergencies
  • College tuition and related costs
  • Wedding expenses
  • Big purchases such as an RV, hot tub, or grill
  • Vacation funds


Why a HELOC?

HELOCs are secured by your home equity. Secured credit lines typically have lower interest rates than unsecured credit lines. Plus, since it's a credit line and not a loan, you won't pay interest on funds you're not using.


Home improvement benefit: If you use the credit line to improve your home, the interest you pay may be tax-deductible. Consult a tax professional.


What to expect

1. Apply

Create an account and complete our easy, online application. Feel free to contact us at form to the right if you have any questions (scroll on mobile).


2. Get a decision

We’ll review your application and let you know if you’ve been approved within 5-7 business days.1


3. Use the funds

If approved, you’ll have access to the funds within 30 business days2 to start your project!

Contact Alaska USA Federal Credit Union


1Loan decisions may take longer if additional documentation is required to prove creditworthiness.
2Deposits may take longer if we cannot verify your account information.

Alaska USA home equity loans and lines of credit are available in Alaska, Arizona, or Washington states only. Residence must be detached single-family home, duplex, or zero-lot-line that meets certain criteria. Home equity loans and lines of credit may provide tax savings through interest payment reduction (see your tax advisor).

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