Home > Loan & Credit > Home Equity Loans | Wanigas Credit Union

Is it time to put the equity you’ve been building up in your home to work for you?  Wanigas Credit Union offers both a fixed rate home equity loan and a variable line of credit as easy ways for you to borrow money when you need it.


Get the Credit You Deserve

Looking to make some major renovations? Don't put it off any longer! Go ahead and build that dream backyard, remodel, or fix that leaking roof. It is easy with Wanigas's Fixed Rate Home Equity Loan or Home Equity Line of Credit.


No Appraisal Fee Home Equity Loan

*Valid only on one-unit single-family primary residence for loan amounts of $10,000 and greater. Loans currently financed with Wanigas CU are not eligible for this offer unless the balance increases by $10,000 or more. Cannot be combined with any other offer. Borrower must qualify under normal Home Equity loan guidelines. Some restrictions may apply. Offer valid April 1, 2021 through June 30, 2021. 


HELP GIVE BACK WHEN YOU APPLY ONLINE!

Food Bank Council of Michigan

Apply for a Wanigas loan online, and We'll GIVE $25* to the Food Bank Council of Michigan, when you close your loan online! Applying online is quick, secure, and easy – and you can help give back to our communities in need!

*Loans currently financed with Wanigas CU are not eligible for this offer. Loan application must be submitted online, approved, and close online to qualify. Excludes line-of-credit loan types. Offer valid through June 30, 2021.

Click Here to Learn More


Home Equity Options

Fixed Rate Home Equity Loan

A Fixed Rate Home Equity Loan is perfect for those who have a large, one-time expense. It offers a fixed rate and a steady repayment schedule for the life of the loan.

Click Here to learn more about Fixed Rate Home Equity Loans

Home Equity Line of Credit (HELOC) 

A Home Equity Line of Credit (HELOC) is for projects that rely on multiple expenses or for those who want ongoing access to funds. HELOC's have flexible payment options and are treated similarly to credit cards.

Click Here to learn more about Home Equity Line of Credit (HELOC)


Compare Equity Options

Fixed Rate Home Equity Home Equity Line of Credit
Rate Fixed Rate for Full Term Revolving Credit Line, Variable Rate
Amounts Loans up to $200,000 or up to 95% of your homes appraised value Loan amount up to $200,000 or up to 90% of your homes appraised value
Click Here to learn more about Fixed Rate Home Equity Loans Click Here to learn more about Home Equity Line of Credit (HELOC)


Applying for a Fixed-Rate Home Equity Loan or Line-of-Credit

When you apply for a home equity loan or line of credit, you’ll need:


Ready to Apply for a Home Equity?

Click Here and then choose 'Refinance a home' to Apply for a Fixed Rate Home Equity Loan

Click Here and then chose 'Home Equity line of credit' to Apply for a HELOC Loan

For more information call (989) 799-6011 or (800) 675-2285 ext. 782 to speak with a mortgage specialist.

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