HELOC
There's value in your home
Use the value in your home to secure a great rate.
What is a home equity loan?
A home equity loan uses the value in your home as collateral. This way, you can secure a lower rate and pay less interest over time. There are many ways you can use this type of loan. You might want to make home repairs or improvements, thus increasing your home’s value and getting a return on your investment. Or you might want to use the cash to pay for other needed expenses, such as college, medical bills, or an emergency fund. It’s a flexible, low-interest loan that often yields significant rewards.
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Transform your home into something beautiful and increase its value
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Alternatively, pay for expenses like college, medical bills, etc.
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Quick online or in-person applications
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Personalized customer service
Rates As Low As
Monthly Payment
Questions?
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Get started online
Apply Now
Rates
Real Estate Loan Rates
| Loan Type | Term | *APR |
|---|---|---|
|
Home Equity LOC - Variable |
Revolving |
|
|
Home Equity Up to 80% LTV |
24-60 Months |
|
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Home Equity Up to 80% LTV |
61-84 Months |
|
|
Home Equity Up to 80% LTV |
85-120 Months |
|
|
Home Equity Up to 80% LTV |
121-180 Months |
|
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Home Equity 81% - 90% LTV |
24-60 Months |
|
|
Home Equity 81% - 90% LTV |
61-84 Months |
|
|
Home Equity 81% - 90% LTV |
85-120 Months |
|
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Home Equity 81% - 90% LTV |
121-180 Months |
|
|
Home Equity 91% - 100% LTV Currently Not Available |
24-60 Months |
|
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Home Equity 91% - 100% LTV Currently Not Available |
61-84 Months |
|
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Home Equity 91% - 100% LTV Currently Not Available |
85-120 Months |
|
|
Home Equity 91% - 100% LTV Currently Not Available |
121-180 Months |
|
|
Unimproved Real Estate - Fixed |
12-84 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
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Rates effective as of: January 17, 2025
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Open Account
Download the App
For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.
Business Free Checking
This account is perfect for startups, home offices, and businesses with smaller transactions and balances.
Here are some of the best features:
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No monthly service fee
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No minimum balance
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Only $25 to Open
How to Make a Transfer
Bailey Bobcat Rates
Bailey Bobcat Savings
• Only $5 to Open
• No Minimum Balance
• Up to 0.50% APY1
• Dividends Paid Monthly2
• One Free Withdrawal per Month
$5 for Each Additional
1 Annual Percentage Yield (APY)
2 Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executive
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Smart Young Investors
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Bailey Bobcat
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Jr. Executive Rates
Bailey Bobcat Rates
Smart Young Investors Rates
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