Skip nav to main content.
Zing Logo and Homepage Link
Zing Logo
Zing Logo

HELOC

Secure flexible financing to cover any expense with a home equity line of credit

Getting a home equity loan can be a big decision. Fortunately, our home loan team has decades of experience and they're here for one reason: to help you. They'll answer your questions and help you make the best decisions.

Schedule free consultation Estimate your payment

HELOC benefits

Not sure how much you need to borrow? That’s okay! With a Home Equity Line of Credit, you can get access to flexible financing that allows you to use as much or as little money as you need and only pay back what you borrow. And since the line of credit is based on your home’s equity, you can enjoy lower interest rates compared to most personal financing options.

Extra low payments

Qualified applicants only have to pay interest during the initial draw period, helping you stay on budget and keep payments as low as possible.

No pre-payment penalties

Finish your remodel early? Don’t worry. We won’t ding you for that. You can repay your HELOC in a way that suits your budget and goals without worrying about pre-payment penalties.

Funds for anything under the sun

Maybe your real dream project is fixing up classic cars, or perhaps you’d rather finish that home project you’ve been putting off. No matter your goal, a HELOC from Zing Credit Union can be used to finance any of life’s adventures.

We received a HELOC for home improvements. It went very smoothly and was completed in a timely manner. Everyone we worked with was very informative and cordial. Awesome to work with. 10 out of 10 stars for me. They are the best.

Steve W.

Frequently asked questions

Zing offers free online e-courses that provides information about mortgages and home ownership.  Visit our e-course page today. 

One business day.

You can borrow up to 85% of the value of the home.

A HELOC works by allowing you to borrow against the equity in your home. Unlike a second mortgage, a HELOC acts similar to a credit card where you can borrow funds as you need them instead of receiving one lump sum of money.

Yes. They may provide you with a list of documents, and then they will give you the contact information to one of our expert mortgage loan officers.

Our experts will answer your questions and help you get the best home equity loan

Getting a home equity loan can be a big decision. Fortunately, our home loan team has decades of experience and they're here for one reason: to help you. They'll answer your questions and help you make the best decisions.

More Mortgage Solutions

Second Mortgage

This mortgage is great for taking out a lump sum of cash then paying it back over a term.

Fast Track Second Mortgage

Need quick cash now? Borrow up to $50,000 with a low rate!

HELOC Disclosures

All loans are subject to credit and collateral approval, as well as income verification and employment verification.  HELOCs only available on primary dwellings.  Not available on rental or investment properties. Max line of credit is $150,000.