Home Equity Line of Credit - HELOC & Mortgage Rates

Rates that make you feel right at home. 

Whether you're buying a home, refinancing your mortgage or opening a home equity line of credit for a big project, our rates provide the value you need to accomplish what you want. 

Home Equity Line of Credit
Effective Date: June 1, 2024
Type of Loan Best Rate APR Rate Type Min/Max Term
Home Equity Line of Credit Special¹5.99%FixedFixed Rate For 12 Months, 5 Year Draw Period, 10 Year Repayment
Home Equity Line of Credit9.50%Fixed5 Year Draw Period - 10 Year Repayment; up to 75% LTV
10.50%Fixed5 Year Draw Period - 10 Year Repayment; up to 85% LTV
9.00%Variable0-20 Years; 10 Year Draw Period - 10 Year Repayment; up to 75% LTV
10.00%Variable0-20 Years; 10 Year Draw Period - 10 Year Repayment; up to 85% LTV

Mortgage Rates

Click here to view current mortgage loan rates.

Resources to move you ahead.

Resources to move you ahead.
Difference Between Signature Line of Credit & Credit Card

Helping you understand your options.

Learn More: Difference Between Signature Line of Credit & Credit Card
What Affects Your Interest Rate

Understand how interest rates work.

Learn More: What Affects Your Interest Rate
Calculate A Loan Payment

See how much you could pay monthly. 

Learn More: Calculate A Loan Payment
Online Bill Pay

Pay your loans on time and avoid fees.

Learn More: Online Bill Pay

APR: Annual Percentage Rate

Prime Rate: 8.50% Annual Percentage Rate (APR)

Credit Score Information: A less favorable rate is  based upon the information contained in your credit report. A free copy of your credit report may be obtained from Experian at 1-888-397-3742. Consumer address to purchase credit report: Experian/NCAC, 701 Experian Parkway, P.O. Box 2104, Allen, TX 75013-0919

Line of Credit: A line of credit is a pre-established amount of credit extended to a borrower by a lender that the borrower can draw against as needed. Additional rules and guidelines may apply.

Credit Card Transaction Fees: Foreign Transaction = 1.00% of each foreign currency transaction in U.S. dollars. Foreign Transaction= 0.80% of each U.S. dollar transaction that occurs in a foreign country.

Real Estate: First Mortgages: Your Credit Union offers a variety of first mortgages to fit your particular situation: See a Partner Colorado Credit Union representative for the most current rates.

-Fixed rate options- 30 year or 15 year

- Adjustable rate options- 3/1 or 5/1

- Refinances or purchases

- Low closing costs


All rates displayed are Annual Percentage Rate (APR). These are accurate and effective for the date indicated at the top of the page. All loans are subject to credit approval. If you have any questions or require current rate information on your accounts, please call the Credit Union at (303)422-6221 or (800)367-2474. Rates are subject to change until loans are closed.

If you choose to sign loan closing documents in person, instead of signing your loan documents using an electronic signature via DocuSign, your approved loan rate will increase by 0.25% APR. This rate increase applies to most vehicle loans, as well as all personal loans and credit cards.


12-month introductory rate is 3.26% Annual Percentage Rate (APR) lower than the current lowest available rate for a fixed-rate HELOC, currently 9.50% APR for 75% LTV. Highest fixed rate is 10.50% APR. Rates are valid as of 10/01/2023. The introductory rate begins on the date the loan is funded and will revert to the current fixed rate at the end of the 12-month introductory period. APR shown is for well-qualified borrowers. Final rate may vary based on creditworthiness. Certain conditions and restrictions may apply. No closing costs in most cases. An upfront appraisal fee of $450.00 may be required at your expense. Subject to credit approval and income verification. Colorado owner-occupied properties only. Minimum credit line and draw of $5,000.00 is required. Rates are based on CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. Borrow against your available credit line for a period of 5 years, after which any existing balance must be paid in full within the following 10 years. Refinancing present loans held by Partner Colorado are excluded from promotional offer.