It took a lot of hard work, but you got there. You bought a house and kept up with your payments. What's the next step — a car, a wedding, college tuition? Whatever it is, you don't want to use your equally hard-earned savings to get it. We offer two loans that transform your home's equity into budget-friendly financing. A home equity loan will provide you with one lump sum, determined by your mortgage payments to date, to address short-term needs. A Home Equity Line of Credit (HELOC) provides ongoing funds, for long-term projects or bills, based on the equity you've built. Best of all, the interest you pay is even tax deductible!*