Home ownership. Feels good, right? Especially after making mortgage payments and being on the path to building equity. You finally get to feel the value of your investment.

And, as things come up – whether it’s something out of your control like an emergency home repair, medical expense, or something you’re planning for like a home renovation, education costs or debt consolidation, one of the best ways to manage those expenses is with a Home Equity Line of Credit (HELOC).

A line of credit allows you the ability to draw money whenever you need for a period of time. You only pay interest on the amount you borrow.

Go ahead, renovate that kitchen. Add a second bathroom. Turn your extra garage space into a home office. Whatever you’re looking to do, we’ve got a path for that, too.

What’s the difference between a Home Equity Loan and a Home Equity Line of Credit?

Home Equity Loan

Choose a Home Equity Loan for home repairs and much more. This option gives you a lump sum to use, which is paid back in installments over a certain amount of time.

Home Equity Line of Credit (HELOC)

Choose a HELOC as a flexible source to finance home repairs and upgrades. A line of credit allows you the ability to draw money whenever you need for a period of time. You only pay interest on the amount you borrow.

Our HELOC benefits


Lower application fee than traditional mortgages


No pre-payment penalties


Access money as needed and make payments only on the funds you use


Easy access to available credit – make transfers in person, over the phone, or online


Lower closing costs vary by state

Hear from our members

My loan officer was amazing! She was immediately available to answer any questions and not once did I feel alone during this whole process!

Verneda K

La Crosse

The loan process was so easy and fast. The Marine Credit Union staff is friendly and courteous. It’s a wonderful place to bank with!

Roger D


Marine Credit Union was very friendly, helpful, and informative. I couldn’t have asked for a better experience!

Doris G


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The way to digital banking

Do more with the equity in your home.

Making your home work for you with a Home Equity Line of Credit.

Get Started Have Questions?