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There’s money in your house if you know where to look!

Home Equity Loans and Lines will help you to Borrow Smart. Your next major expense just got a little bit smarter with a Home Equity Loan or Line of Credit from Northern Hills Federal.  Both loans use the equity in your home, allowing you to borrow smart on things such as unexpected repairs, a vacation, college or a remodel.

A Home Equity Loan is a loan with fixed payments and terms for the life of the loan.

  • Terms up to 15 years available
  • Loan up to $150,000
  • Mininal Closing costs
*Annual percentage rate, stated as APR, may be as low as 3.99% with qualified credit. The APR calculation is based on a $50,000 loan amount with the maximum term allowed and a $299 document preparation fee. Loan repayment terms are up to 84 months. Rates and offers are subject to change at any time. Some exclusions apply. Other rates and terms are available. For more information, please contact a credit union professional at 605-347-4527.

Loan Rates

A Home Equity Line of Credit (HELOC) will allow you to take an advance when you need it most.  As you pay it back, you can redraw on the available line.

  • Variable rate tied to prime rate
  • 15 year amortization
  • Minimal closing

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