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Home Equity Loans in Vermont

Make the most of your home’s value with a loan or line of credit from 802CU. Get the funds you need for renovations, large expenses, or debt consolidation backed by low rates, local decisions, and fast approvals.

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Home Equity Line of Credit (HELOC)

Flexible and reusable access to funds whenever you need them.

Use your home’s equity to pay for education, car repairs, vacations, debt consolidation, or unexpected expenses. A HELOC gives you borrowing power with revolving access, convenience checks, and a variable rate tied to Prime.

  • Borrow up to 80% of your home’s equity minus your first mortgage balance
  • Access funds via mobile app, online banking, over the phone, and in person 
  • Minimum loan amount $5,000
  • Variable rates with a floor rate of 4.00%
  • Fast approvals and local support
  • May be tax-deductible*
  • View important terms and conditions in our Home Equity Early Disclosure
Apply Now View HELOC Details

Fixed-Rate Home Equity Loan

A one-time disbursement with a predictable repayment schedule.

If you prefer fixed payments and a locked-in rate, our Fixed-Rate Home Equity Loan provides stability and straightforward budgeting for your next major purchase or project.

  • Borrow up to 80% of your home’s equity minus your first mortgage balance
  • Fixed rates for 5, 10, or 15-year terms
  • Minimum loan amount $5,000
  • Low closing costs
  • May be tax-deductible*
  • View important terms and conditions in our Home Equity Early Disclosure
Apply Now View Fixed-Rate Home Equity Details
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Frequently Asked Questions

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  • Where do I mail my loan payments?

    Payments and deposits can be mailed to any of our offices. See our branch locations for mailing addresses.

  • How do I get a free copy of my credit report?

    The three major credit bureau reporting agencies have teamed up to create www.annualcreditreport.com. There you will be able to request your annual free copy as well as find instructions on how to file a fraud alert on your report. You may also request a copy by calling them at 877-322-8228.

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Real stories from real people who’ve found their financial home.

I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.

Sarah

Windsor, VT

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