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Use the equity in your home to free up funds to consolidate debt or to help finance major expenses - such as tuition payments, home renovations, or repairs. If you are looking for a home equity loan or home equity line of credit (HELOC), Park View will help you choose the best option for your situation.


Home Equity Line of Credit (HELOC)

Similar to a credit card, this low variable rate loan allows you to borrow what you need, as you need it until you reach your credit limit. 


  • No closing costs1
  • Variable-rate, based on prime
  • Lower initial monthly payments
  • Easy access to funds
  • Potential tax savings2
  • No pre-payment penalties
  • No annual maintenance fees
  • Use for recurring expenses like home remodeling and tuition costs

Hybrid Home Equity Line of Credit (HELOC)

Enjoy the flexibility of a HELOC combined with the steady payments of a fixed-rate loan.


  • Keep your payments steady by locking in a fixed rate
  • Easy access to the equity in your home
  • No pre-payment penalties
  • No closing costs1
  • Potential tax savings2
  • Use for recurring home remodeling, major purchases, tuition costs, and any other use
  • Discover more details!

Home Equity Loan

Borrow against your home's equity to get cash for whatever you need. 


  • Low fixed rates
  • Flexible terms
  • Consistent monthly payments
  • Potential tax savings1
  • No pre-payment penalties
  • Use for one-time expenses like a home remodel or debt consolidation

Hybrid Mortgage

Unlike a traditional mortgage, this all-in-one option combines a mortgage and line of credit into one simple loan. 


  • Ideal for someone with less than $100,000 left on their mortgage
  • Lower closing costs than a traditional mortgage refinance
  • Fixed rate segments for 5, 10, or 15 years with discounted rates if used within 30 days of closing
  • Plus, a flexible line of credit


1No closing costs, excluding appraisal fee if required, for a new Home Equity Line of Credit (HELOC) or Hybrid HELOC. If the total interest paid over the life of the loan, including the draw and repayment periods, is less than the original closing costs, you will be required to reimburse the Credit Union for closing costs paid on your behalf. We estimate closing costs to range between $350.00 to $500.00. All loans subject to credit approval. Minimum line amount is $5,000. The Annual Percentage Rate (APR) is based on The Wall Street Journal prime rate, currently 3.25%, plus or minus the margin. Maximum APR, by law, is 18.00%, minimum is 3.25%. Loan-to-value limits apply. Property insurance is required.
2Consult a tax advisor regarding the deductibility of interest.


So, what is equity?


Equity is the current value of your home minus the amount you still owe on your mortgage

Take advantage of your home's equity

HELOC Reasons(

Use the equity in your home to pay for some of life's larger expenses such as home improvements, debt consolidation, education expenses, and unexpected expenses.

Federally insured by NCUA

NMLS# 653464
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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