Let’s turn your equity into opportunity!
Use your home’s equity to fund life’s bigger plans and move confidently toward the future you’ve been imagining.
5.45%
with automatic payment2
Put your home’s equity to work!
At The Summit, we love seeing our members move forward. Using your home’s equity is a great way to upgrade your home, simplify your finances, support education, or fuel what you have planned next.
Make home improvements
Take your dream vacation
Refinance high interest loans
Consolidate debt
Pay for college or a major purchase
Cover unplanned expenses
Have Questions?
We’re here to help:
Make an Appointment | Visit a Branch | 800-836-7328
Already a member?
Expedite the process through Online Access or Mobile Banking.
THE SUMMIT IS AN EQUAL HOUSING LENDER. Membership eligibility required. Subject to change without notice.
- Introductory rate available on HELOCs opened between 3/1/26 and 5/31/26. As of 3/1/26, the as low as APR was 6.75% available for line limits over $50,000, 7.00% for line limits between $15,000 and $50,000, and 7.25% for line limits of $15,000 or less. The introductory APR during the first 6 months after the open date is not based on the index and margin used to make later adjustments. After the introductory rate expires, account subject to a variable rate based on the highest Prime Rate as published in the Wall Street Journal’s Money Rates Section. As of 3/1/26, fully-indexed APR was 6.75%, based on a Prime Rate of 6.75% on line limits over $50,000. Thereafter, variable rate subject to change based on the highest Prime Rate and a margin of 0.00% to plus 0.50% depending on line limit. Maximum 18% APR. Loans subject to credit approval. Certain limitations may apply. Closing costs (when applicable) include a title search, mortgage tax, filing fees, flood certification fee, and title insurance and are estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your home equity line of credit (HELOC), you must reimburse us for all costs we paid to third parties to open your HELOC unless you keep account open for at least 3 years from the HELOC open date.
- Rate shown in effect 3/1/26 through 5/31/26. Home Equity Fixed Loan (HELOAN) is a fixed home secured loan with a term of 5 years at 5.45% Annual Percentage Rate (APR) when The Summit pays closing costs. For example: a HELOAN of $10,000 for 5 years at 5.45% APR will have a monthly payment of $190.78 Loans subject to credit approval. Certain limitations may apply. Closing costs (when applicable) include a title search, mortgage tax, filing fees, flood certification fee, and title insurance and are estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your HELOAN, you must reimburse us for all costs we paid to third parties to open your HELOAN unless you keep account open for at least 3 years from the HELOAN open date.