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Home - Emporia State Federal Credit Union

Home Equity Loans

Home Equity Lines of Credit (HELOC)

A home equity loan is a powerful tool for homeowners. It allows you to borrow money against the equity in your home which can be used for any project or purchase: repairs or upgrades, college tuition, or to pay off high-interest debt. Often, the interest rates on home equity loans are lower than credit cards, which makes it easier on your bottom line.

What will the summer of 2022 look like for you and your family? Maybe relaxing in your new backyard space? Camping in your new RV or out on the lake on your new boat?  Whatever your vision, we're here to make it a little easier for you to make it come true.

In celebration of our 85th Anniversary, we will cut all closing costs for HELOC loans to only $85.  That's right, for just $85, let us set up your Home Equity Line of Credit so you can make your summer the best ever!  From start to finish, we can get this done in about 10 days and you'll be on your way. 

For the next 85 days (March 17-June 9, 2022) the closing costs on any new HELOC loan will be just $85! 

Call or Text our ESFCU loan officers - Jared, Isabel, Miles and Grant at                620-342-2336 to get started.


The amount of a home equity loan is based on how much equity – the difference between the value of the home and how much is owed on the mortgage(s) – the homeowner has, and current credit qualifications. The longer a mortgage is paid down and the more a home appreciates in value, the more equity is built which can equate to a larger loan amount.

ESFCU offers competitive, fixed-rate home equity loans as well as open-end, variable-rate lines of credit (HELOC**) that are available for use when you need it. In addition to low interest rates, the interest may be tax deductible.+ Consult your tax advisor for details.

Let us help you evaluate the untapped value in your home.  You may be able to use your home as collateral to pay off debt, do home improvements – you decide the goal, we help you accomplish the dream. Our lending professionals will show you flexible options that fit your needs. Call or text us at 620-342-2336