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Home Equity

Enjoy Waived Closing Costs Up To $400 Now Through September 30, 2019.

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Ideal Home Equity Loans

Use the equity in your home for home improvements, major expenses, or even a much deserved vacation.

Home Equity Fixed Rate Loan

  • Waived closing costs up to $400 through September 30, 2019
  • Borrow up to 90% of the property value
  • Competitive fixed rate & payment
  • Funds are disbursed in one lump sum

Apply by September 30th to enjoy waived closing costs

Apply Online


Home Equity Line of Credit

Not sure how much you'll need or when you may need to use it? A home equity line of credit lets you use a credit card to draw funds when the need arises.

  • Waived closing costs up to $400 through September 30, 2019
  • Borrow up to 90% of the property value
  • 5-year draw period and up to 15 year repayment period
  • Competitive variable rate

Apply by September 30th to enjoy waived closing costs

Apply Online


Ideal Home Equity

Why choose Ideal Credit Union

What people are saying

"The process of buying a home alone is stressful and confusing but Ideal Credit Union made the process so much easier. Everyone was very quick and informative, and answered all of our questions. Would highly recommend."

-Mary L., Ideal CU Member

Why choose Ideal Credit Union

What people are saying

"Ko Xiong was Great! He was so knowledgeable, always available to answer questions and kept us well informed during the whole process. We love our new home! Thank you Ko and Ideal Credit Union!!!!"

-Kelley B., Ideal CU Member

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Fixed Rate Home Equity Loan: Some housing exceptions apply. Payment example: On a $35,000.00 loan with a 5 year term up to 90% property value at 5.00%APR, monthly payments would be $660.50. Maximum loan amount is $150,000 and maximum loan term is 15 years. Closing costs waived up to $400 through promotional period August 1, 2019 - September 30, 2019. Closing costs range from $275.00 to $590.00. Promotion excludes the following fees: Mortgage Registration Tax, Conservation fee, Jr. Title policy (if needed), and appraisal fee (if needed).

Visa Platinum Line of Credit: Some housing exceptions apply. Minimum Annual Percentage Rate (APR) Floor of 4%. Maximum APR is 15.00%. APR calculation is subject to change monthly and is based on the Prime Rate as published in the Wall Street Journal. Interest only payments can be made for the first five years during draw period. After the draw period ends, required payments are calculated at $1.25 per $100 of the outstanding balance or $150, whichever is greater. Closing costs waived up to $400 through promotional period August 1, 2019 - September 30, 2019. Closing costs range from $275.00 to $590.00. Promotion excludes the following fees: Mortgage Registration Tax, Conservation fee, Jr. Title policy (if needed).

2018 - 19 Holiday Hours

Martin Luther King Jr Day

Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Tuesday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Wednesday, December 25th
All locations closed.


New Year's Eve
Tuesday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2020)
Wednesday, January 1st
All locations closed