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Do more with your home equity

Big expense coming up? A HELOC or home equity loan could be just the thing.

Buying a home was a smart investment on your part—now you could use your built-up equity to help pay for something big or unexpected!


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What to expect

1. Apply

Contact us using the form to the right (scroll on mobile) to get the process started or use our easy, online application.


2. Get approved

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!



Why borrow against your home equity?

Home equity loans and lines of credit are secured by your home equity. Secured loans typically have lower interest rates and fees than unsecured loans—especially if they're tied to something as valuable as a home. Plus, if you use the loan to improve your home, the interest you pay may be tax deductible (please consult a tax professional). However, be aware that defaulting on a home equity loan means your lender can foreclose on your home.


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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).

Featured articles

What Is a Home Equity Loan and How Does It Work?

Everyone’s financial situation is unique, and what’s good for one person may be a bad fit for another. When considering a home equity loan, here are some things to keep in mind.


Find out how home equity loans work »

Why and How to Build Home Equity

Your home’s equity is an important part of your financial net worth. There are basically two ways to build home equity—either owe less by paying down your mortgage or own more by improving the value of your home.


Discover why and how to build home equity »

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