Keep Your Mortgage.
Use the Equity You've Built Instead.
Your home still has plenty of horsepower in it. The good news is you don’t have to leave it to make it feel like new again.
A Home Equity Line of Credit or Loan gives you access to funds to restore the home you love without refinancing your existing low-rate mortgage.
Re-imagine what’s possible with a Home Equity Line of Credit or Home Equity Loan from Great Basin Federal Credit Union.
Which Option is Right for You?
Home Equity Line of Credit
- Ideal for flexibility
- Variable rate as low as 7.25% APR*
- Revolving line of credit
- Borrow and repay only what you use
Home Equity Loan
- Ideal for one-time expenses
- Fixed rate as low as 8.25% APR*
- One lump-sum amount
- Predictable monthly payments
Built to Last
A Home Equity Line of Credit or Home Equity Loan from Great Basin gives you the flexibility to improve what matters most, whether that’s increasing comfort, updating aging spaces, or preparing for whatever comes next.
Restore & Renovate
Refresh your kitchen, update your bathroom, replace your roof, or finally create the outdoor space you've always wanted.
Prepare for What's Next
Use your equity to help cover education expenses, consolidate higher-interest debt, or manage unexpected costs with confidence.
Invest in Your Future
Whether you're planning a major purchase, funding a dream project, or creating a financial cushion for life's surprises, your home's equity gives you the flexibility to move forward.
Keep Loving Where You Live
Whatever you're working toward, your home's equity can help you reach your goals, without leaving the place you already love.
Like a well-loved classic car, the home you love is worth investing in.
Keep the mortgage rate you love while putting your home’s equity to work. Make the most of it with a Home Equity Loan or Line of Credit. Our local team can help you choose the option that’s right for your goals.
Ready to Re-Imagine What's Possible?
Take it from our members.
*Rates states as annual percentage rate (APR). Early closure fees may apply on all Home Equity Loans if closed within 36 months. On approved credit; for qualified borrowers. No closing costs; no points; no origination fees. Appraisal may be required; can be reimbursed upon funding. The interest rate is tied to the Prime Rate as listed in the Wall Street Journal. Interest rate may change quarterly on variable rate loans; annually, your payment may change as a result of changes in the Prime Rate throughout the year. Home Equity Line of Credit Annual Percentage Rate (APR) based on Prime + 50 basis points or Prime + 300 basis points (depending on Combined Loan to Value – CLTV – amount) with floor rate of 5.00% (Prime = 6.75% as of 12/10/2025). Prime + 50 or 300 basis points will apply for the life of your loan; not a promo rate. Fixed Rate Home Equity Loans also available. Great Basin FCU will finance qualifying new Home Equity Loans or refinance qualifying Home Equity Loans from other financial institutions. Existing GBFCU loans not eligible for refinance. Please ask for examples of CLTV.