Think of your home as more than just a roof over your head—it’s also a powerful financial tool. With a HELOC, or home equity line of credit, you can tap into the value you’ve already built and put it to work. At Credit Union of Denver, serving Aurora, CO, we make it simple, affordable, and supportive, because we know life doesn’t follow a straight line.
A home equity line of credit gives you choices. Maybe you want to remodel the kitchen, cover tuition, or finally consolidate that stack of high-interest credit cards. Instead of locking you into one lump sum, this option lets you borrow, repay, and borrow again—like having a financial toolkit at your fingertips.
Serving Aurora, CO, we’ve built our reputation on showing up for members like family. Whether you’re juggling daily expenses or planning for something big, our credit union difference means your goals matter more than profits. We’ll take the time to explain, guide, and make sure you feel confident about your next steps.
Your home has already worked hard for you—now let it return the favor. Open a HELOC with Credit Union of Denver in Aurora, CO, and give yourself the freedom to handle today and tomorrow with confidence. Contact us today and let’s put your equity to work where it matters most: your life.
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While both provide revolving credit, a HELOC is secured by your home, which usually means lower interest rates. Credit cards often come with higher rates and limits that don’t match larger expenses like renovations. With a HELOC, you can borrow more at a cost that’s generally easier on your budget.
Yes—you can use the funds for almost anything, from medical bills to wedding costs. Many members choose a HELOC for flexibility because it adapts to life’s stages. That said, it’s wise to use it for needs or investments that add value to your financial picture.
It can, since the HELOC is secured by your home. Before selling, the line of credit typically needs to be paid off at closing. Planning ahead with your lender ensures a smooth transition if you decide to move.
Often, yes. Having a HELOC in place ahead of time means you’re ready for opportunities or challenges without scrambling for approval. It’s like keeping an umbrella by the door—better to have it ready than wish you did when the rain starts.
HMDA Disclosures. Credit Union of Denver NMLS#417000. Equal Housing Opportunity. Standard HELOC Disclosures.
1 Subject to credit approval, not all borrowers will qualify for the lowest rate. HELOCs have a 20-year term; with a 10-year draw and 10-year repayment period. Variable annual percentage rate (VAPR) will apply and is based on credit worthiness at time of application. Best rate is 0.50% [“Margin”] below Wall Street Journal Prime Rate “Index”] subject to the floor rate of 6.00% and ceiling rate of 18.00%. For example, standard rates of 6.75% up to 13.50% VAPR are current as of 11/01/2025. Rates are subject to change. No closing costs in most cases, but an appraisal fee and/or title insurance (approximate cost $0 - $3,000) may be required at member expense. Not available on refinance of current Credit Union of Denver (C·U·D) mortgage loans. Owner occupied, insured Colorado properties (property insurance required) only. C·U·D Membership Savings of $5 is required.
2 CLTV = Combined Loan to Value