Home Equity Solutions

Your home's value can fund your goals.

Your home builds equity with every payment and every bit of market growth. As your trusted partner for a home equity line-of-credit in St. Louis, we make it simple to access that value.

Competitive local rates
Access your home's value
Personalized guidance

Apply for a Loan Calculate Your Payment

HELOC Rates St. Louis

Lock in a great home equity rate.

Whether you're making home improvements, consolidating debt or making a major purchase, a home equity loan or HELOC from Vantage could be an affordable solution.

View All Rates

Home Equity Line-of-Credit

7.25%

Apr*

Variable Rate^

Home Equity Loan

6.75%

Apr*

View Details

*APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.^{^}Variable rate may adjust quarterly; cap – 2.00% per quarter; index – Wall Street Prime; Floor | Max rate – 2.5% | 24.90%

A couple sanding and painting the wall in their new house

Home Equity Line-of-Credit

A home equity line-of-credit in St. Louis for life’s opportunities.

Your home's value grows and your mortgage balance shrinks with every payment — that's equity you can tap into. Whether it's home improvements, unexpected expenses or life's big moments, a HELOC gives you financial flexibility.

Lower interest than most personal loans and credit cards
Borrow as needed, interest-only minimum payments
Transfer funds to your Vantage checking account anytime

Apply for a Loan

Home Equity Loan

Know your amount. Know your payment. Know your plan.

Planning a major home renovation or need a set amount for a specific goal? A home equity loan gives you all the funds upfront as a one-time lump sum with fixed monthly payments — perfect when you know exactly how much you need.

Lower interest than most personal loans and credit cards
Fixed interest rate and repayment
Simple lump sum payout

Apply for a Loan

Financial Tool

Membership perks

Members get more.

No closing cost.*

Even if we need a home appraisal, you won't pay closing costs. That's money you can put toward your actual goals.

No prepayment penalty.

Want to pay off your loan early? Making extra payments helps you save on interest without any fees.

No annual fee.*

Unlike big banks and other lenders, we won’t charge you to keep your credit line open.

View Details

*Important Terms of our Home Equity Lines-of-Credit and When Your Home is On the Line.

Get your personalized match!

Complete this quick form and our team will reach out to help you find the right home equity solution for your needs!

Can’t wait? Find a Location Near You

We have answers

FAQs

What's a home equity line-of-credit (HELOC)?

A home equity line-of-credit, or HELOC, is a revolving credit line that makes your home’s equity available for a specific amount of time. As an open-ended loan, you can utilize the funds for emergencies in addition to planned projects and expenses.

How does a home equity loan work?

Using your home as collateral, home equity loans allow you to borrow against the equity available at a fixed rate. Funds are provided as a single lump sum to be repaid over time.

What is the difference between a HELOC and a home equity loan?

A home equity line-of-credit offers a variable rate and continual access to the loan amount throughout a draw period. With a home equity loan, on the other hand, the funds are provided all at once upfront.

How much equity do you need for a HELOC?

You typically need at least 15–20% equity in your home. The exact amount may vary depending on your credit score, loan amount and other factors.

Can you refinance a HELOC?

Yes, you can refinance a HELOC. Refinancing may help you secure a lower interest rate, reduce your monthly payments or convert your HELOC into a fixed-rate loan.

Find more financial insights with help from Vantage.

View All

There Might Be Money in Your Home

For homeowners, years of soaring housing prices have likely made a positive impact on their home’s equity.

Is Your Emergency Fund Falling Short? Your Home Could Help!

Life’s expensive—and that’s not likely to change. In a struggling economy, are your emergency savings feeling the squeeze?

Does Newfound Wealth Reside in Your Home’s Equity?

If you own your home, you may be a good bit richer and not even know it.

Vantage Credit Union Voted Best in St. Louis by YOU

St. Louis Magazine's annual awards are special because they’re decided by voters throughout St. Louis, and we are incredibly honored to be recognized by you!

View All