Aim Higher with Elevate Home Equity Line of Credit

Rise to Meet Your Dreams with Elevate Home Equity Line of Credit 

You’ve put a lot of love into your home. Did you know that your home can give you some of that love back? In today’s housing market, home values continue to climb. With Elevate – one of Horizon’s home equity lines of credit (HELOC) – you can take advantage of the equity you’ve built into your home today! 

Whether it’s tackling that huge remodel project, purchasing a second property, starting your new business or merging your debt into one simple payment, you can rise towards your dreams with Elevate! Plus, you save even more with no annual fee and no origination fees. 

With Elevate HELOC you get:

No Annual Fee / No Origination FeesHave a line of credit available when you need it!
One-Time Fixed Rate OptionConvert a portion of your loan from a variable to a fixed rate at no cost to save even more!
Convenient Cash AdvancesGet cash or cashier’s checks with no fee! Head to your local Horizon branch to take out cash or you can transfer funds online.
Affordable PaymentsMonthly payment is only 1% of the outstanding principal or $100, whichever is greater.
10 Year Draw Period / 15 Year RepayThat means plenty of time to use and repay the balance!

Move Upwards!

Take your ideas to the next level with Elevate HELOC! We’re ready to make your equity rise to meet your dreams. Applying online is quick and easy!*


  • Home Equity
How does a Home Equity Line of Credit (HELOC) work?
  • A revolving line of credit (like a credit card, without the card) 
  • Access the money in branch, online or in the mobile app as you need it 
  • The rate is adjustable, but portions of the line of credit can be fixed 
  • Home Equity
What can I use a HELOC for?
  • Emergency fund 
  • Home improvement 
  • Consolidate bills 
  • Education 
  • And more! 
  • Home Equity
What is the loan length?
  • 10 year draw period 
  • 15 year repayment period 
+No Annual Fee. Closing Costs: Horizon will pay most closing costs associated with a Home Equity 1st Lien which includes: credit report, flood determination, recording, and reconveyance. The member is responsible for paying the title fee, automated property valuation and if an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Should this loan be closed within 24 months from origination, the member will be obligated to pay Horizon the full amount of the total closing cost for the loan. Other terms and conditions may apply.

Loan advances may be taken over a 10 year period from the time of origination. Variable rate loans will adjust quarterly based on the Wall Street Journal (WSJ) Prime Rate plus margin with a maximum APR of 18%. Horizon rates, terms and conditions are subject to change without notice. Certain terms and conditions may apply. On approved credit. Membership required. For more information please call us at 800.852.5316.

The rates and terms shown are effective as of February 14, 2024.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.