Maximize the value of your home

At GOLD Credit Union, we can help you leverage your most valuable asset — your home — to reach your biggest goals. From remodeling your home to consolidating high-interest debt, you'll boost your spending power with GOLD Home Equity Loans and Lines of Credit.

So, what's home equity, anyway? It's the difference between your home's market value and the remaining balance on your first mortgage and any other mortgages or home equity loans secured by your home. Your home equity can increase over time if the property value increases or the loan balance is paid down. While we caution against using your home as collateral for smaller, short-term borrowing needs, it can be a wise move to lower the long-term cost and monthly impact of larger high-interest debt, larger investments, or large, surprise expenses that you encounter.

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Which home equity product should I pick?

GOLD Credit Union offers our Members two home equity products:

Each has its advantages. A GOLD Home Equity Loan, for instance, give you a one-time payout with a fixed rate, which is perfect for a large purchase. On the other hand, our GOLD Home Equity Line of Credit (HELOC) gives you more flexibility, letting you borrow as needed and only pay on the funds you use.

Both feature competitive APRs, generous limits, and flexible terms.

Compare your options below to see which is the best fit for you.


  GOLD Home Equity Loan GOLD Home Equity Line of Credit (HELOC)
Summary You need a specific amount for an immediate need. You expect to need funds over time.
Rate Type Fixed Variable
Access Your Funds One lump sum distribution when you sign on your loan Easy, ongoing access throughout the draw period
  • Make draws of as little as $100
  • Transfer funds to your GOLD Checking or Savings via Online Banking 24/7
  • GOLD Debit Card or checkbook for direct line access (by request)
  • Request draws even by phone by calling 484-223-4216
Max Term 20 years (240 months) 10 years (120 months) draw 15 years (180 months) to repay from last draw
  • No prepayment penalties
  • No application or annual fees
  • Low or no mortgage recording fee
  • No prepayment penalties
  • No application or annual fees
  • Very low closing costs
Insurance** Optional Credit Life and Disability Insurance available to protect you and your family N/A
  Apply Now Apply Now

Our Loan Department would be happy to help you decide which type of loan is best for you. 484-223-4216 for a free consultation.

*View our current loan rates and fee schedule. Mortgage fees and closing costs will vary by county and loan amount.
**Credit Life and Disability is offered through MEMBER’S CHOICE® and is a voluntary insurance product. Your financing outcome is not based on your selection of this product. Contact Credit Union for plan details.
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Protect your future

There’s no way to predict life's curveballs — but did you know you can protect your loan? Credit Life and Disability Insurance will help you make your monthly payments in the event of a covered life event, injury, illness, or death.

Don't want to use your home as collateral? Our Personal Loans & Lines may be just what you need.

Ready to get started?

Click "Apply Now" to get started, or call 484-223-4216 during normal business hours to receive a free consultation and quote or even to apply over the phone if you're ready.

Apply Now

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