Fixed Rate Home Improvement Loans

If you are in need of money to work on your home, and don't want or qualify for our HELOC product, we offer fixed rate home improvement loans.

  • The maximum term is 10 years.
  • The loan is secured by a second mortgage on your home.
  • There are minimal closing costs, which can often be paid for with proceeds from the loan
  • In most cases, interest paid on a home improvement loan is tax-deductible*.

Our Members make the difference.

Member Since 2007

Alina had a car loan with HSBC that was at 18.26% which we refinanced for her at the credit union at 8.25% after she made on time payments for one year.

"Basically what institutions like our CU does for 'underserved' people like me, is to put a little faith and trust in our financial life. And that is all we need in order to get out of our broken situation. Believing in the human ability to overcome any situation just by supporting them is enough.

We human beings have an extraordinary capacity or resilience to move on to the next level and then aim for a better future.

I am a true example of that ... A woman with such a bleak financial broken history and here there is a bank in a city where I never imagined myself living someday who put a little bit of that 'faith' in me. What a miracle!"

Alina Diaz


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