Our Home Equity Deals Give You the Reward of Ownership!

Interested in capitalizing on the equity you’ve earned on your home? HeritageWest Credit Union can help. Take advantage of our great rates today!

Apply Now!

Home Equity Loans and LinesApplynow


Equity Loans & Lines Term Max LTV** APR* Apply
Equity Loan Up to 240 mos 100% As Low As 3.64% APPLY NOW
Variable with Fixed Rate Option*** -- 100% As Low As 3.75% APPLY NOW
Fixed Rate Option* Up to 180 mos -- As Low As 3.64% APPLY NOW

Requests for maximum LTV will be considered on a case-by-case basis. Up to 100% LTV financing is available on single family detached residences, and is based on credit qualifications. All rates and terms quoted above apply to properties that are occupied by the borrower. *Limited time offer. Equity lines are variable. Property insurance required. TX residents subject to Homestead Act. Employees, officers, and directors of Chartway and its related companies and agents, and members of the immediate family and household are not eligible. APR = Annual Percentage Rate. **Loan-to-value. ***Annual Percentage Rate may vary. Rates subject to change after opening. Fees, generally ranging from $300 to $850, may be incurred. Maximum APR is 18%. Click here for Required Disclosures



You can apply now in just a few minutes!

  1. Apply Now complete the application, and sign all your documents electronically through Docu-Sign®.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A HeritageWest Credit Union Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Should you need assistance, please contact us at (801) 487-8841, or call us toll free at (800) 662-9522.

The Benefits of Home Ownership

There are so many things you can do with a HeritageWest Home Equity Line of Credit or Loan:

  • Turn your equity into cash to pay off bills
  • Buy something special you’ve been planning for
  • Use it to finance college expenses for you or your children
  • Remodel or make home improvements that will add to your home’s value

Benefits of a HeritageWest Equity Line or Loan

HeritageWest offers a full range of fixed-rate equity loans and variable-rate lines of credit including, lines of credit with a fixed-rate option

  • Flexible terms and rates to fit your needs
  • Interest may be tax-deductible*
  • Cash from home equity can be used for anything

Equity Loan or Equity Line?

As a HeritageWest member, you’ll find value and flexibility at every turn. You can choose the Home Equity option that fits your lifestyle.

  • Equity Lines - Just like a credit card, this variable-rate revolving line of credit lets you borrow the amount you need, when you need it. It even has a fixed-rate option for added payment flexibility.
  • Equity Loan - This second mortgage comes with a fixed rate.* It's perfect if you prefer the consistency of a steady monthly payment.

*Consult your tax advisor. Some restrictions may apply. For complete details and full disclosures, contact us today.

Apply online in just a few minutes.

Our online application process is quick, easy, and secure. Use our application center to check on your loan status after you apply.