If your house could talk, it would probably say, “Hey, I’ve got some equity built up—why not put me to work?” A HELOC, or home equity line of credit, lets you borrow against the value you’ve already built in your home. At Credit Union of Denver, serving members across CO, we believe your home should help carry life’s load instead of just sitting pretty.
A home equity line of credit is not just for remodels (though we love a good kitchen upgrade). It’s a versatile financial tool that adapts to your life’s chapters. Whether you’re smoothing out bumps or making big plans, a HELOC gives you the flexibility of a credit card with the affordability of a loan.
Life in CO can throw surprises—hailstorms, tuition bills, medical expenses—and we’re here to make sure you’re not caught off guard. As your local credit union, we take the time to walk you through options, answer your questions, and cheer you on when you reach your goals.
Don’t let your hard-earned home equity just sit there gathering dust. With a HELOC from Credit Union of Denver, serving CO, you can put your home to work for you—whether it’s fixing the roof, tackling debt, or planning something meaningful for your family’s future. Stop by, give us a call (303.234.1700), or pop into our online branch—we’ll pour the coffee and walk you through it step by step.
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A good sign is that you’ve built equity in your home and have a plan for how you’d use the funds. Readiness isn’t just financial—it’s also about being disciplined enough to borrow what you need without overspending. We can help you decide if the timing makes sense.
Yes, technically you can—but we encourage members to think of a HELOC as a tool for long-term value. Home improvements, education, or debt consolidation often deliver benefits that last longer than a week at the beach. Still, life is about balance, and we’ll help you weigh your options.
Sometimes, yes. A HELOC keeps your savings intact for true emergencies, while giving you a lower-interest way to cover major costs. This balance lets you avoid draining your safety net while still managing large expenses responsibly.
Many HELOCs have variable rates, so increases are possible. That’s why it’s important to understand your terms upfront and to borrow with a plan. We’ll walk you through scenarios so you know how changes could affect your monthly budget.
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