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Routing # 307075259

Home Equity Line of Credit for Littleton, CO

HELOC Everyday Freedom

Life in Littleton doesn’t slow down for anyone—kids need braces, basements need finishing, and sometimes the car decides to quit just when you’ve planned that family trip. That’s where a HELOC, or home equity line of credit, comes in handy. At Credit Union of Denver, we believe in making your home’s value work just as hard as you do.

  • Borrow only the amount you need, when you need it
  • Interest charged only on what you actually use
  • Flexible repayment that fits into your real life, not a rigid schedule
  • Rates designed to save you money, not squeeze you
  • Support from a credit union that puts people ahead of profits

Home Equity Line Power

A home equity line of credit is more than a financial product—it’s a way of saying yes when life throws something big your way. Instead of dipping into savings or running up high-interest credit cards, you’ve got a reliable line of credit ready to step in.

  • Great for projects that unfold in stages, like a kitchen or backyard renovation
  • A smart tool for consolidating debts into one manageable payment
  • Possible tax advantages (talk with your tax advisor)
  • Lets you prepare for life’s surprises without breaking your savings jar
  • Offers flexibility—you borrow, repay, and borrow again within your limit

Member Service Promise

Serving Littleton, CO, we treat members like family, because that’s exactly what you are. We’ll take the time to explain, answer your questions (twice, if needed), and make sure you feel confident in your choices. We’ve been here through shutdowns, recessions, and pandemics—and we’ll be here for your next chapter, too.

  • Member-focused approach that reinvests savings back into you
  • Local service paired with nationwide shared branching convenience
  • Practical guidance so you can make smart financial choices
  • Incentives and rewards for trusting us with your loan or account

Here’s the truth: life will surprise you. Sometimes it’s joyful, sometimes it’s stressful—but either way, you deserve to be ready. A HELOC with Credit Union of Denver in Littleton, CO, gives you that readiness, that flexibility, that calm in the storm. Let’s get your safety net in place before you need it.

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FAQs

Yes—many members use a HELOC to fund renovations that increase their property’s worth, such as kitchen remodels or energy-efficient upgrades. Improving your home not only makes daily living better but can also add long-term financial value.

Refinancing replaces your current mortgage with a new one, while a HELOC is a separate line of credit based on your home’s equity. A HELOC doesn’t change your existing mortgage terms but gives you flexible access to funds as needed.

In many cases, there’s little or no cost to keep the line open, depending on the terms. That’s why some members open a HELOC just for peace of mind. Having it ready means you don’t have to scramble when an expense comes up.

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