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

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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.

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Home Equity Line-of-Credit

7.25%

Apr*

Variable Rate^

Home Equity Loan

6.75%

Apr*

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*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.

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*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!

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We have answers

FAQs

Find more financial insights with help from Vantage.

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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.

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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!

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