Annual Meeting of Northern Lights Federal Credit Union is on August 14, 2024. Read More

Home Equity Loans (HELOC)

Put the equity in your home to work for renovations, debt consolidation, or vacation to name a few!

With our Home Equity solutions you will have a line of credit that you can draw on or pay on over the course of the first five years. At the end of the five year draw period the Home Equity line of credit will no longer allow additional draws.

Many of our Vermont and New Hampshire members enjoy the convenience of having access to their Home Equity line of credit through Home Banking. Many members choose to have their payments and draws through the transfer capability of Home Banking. Simply transfer the desired funds into your checking account and use your Northern Lights Debit Card to purchase building materials for your weekend project. (Some restrictions may apply.)

With a Northern Lights home equity revolving line of credit, you can access your line through your home banking – 24/7 – as you need it! You can pay down on your line and use it again.*


*Call today for further terms and conditions; some restrictions may apply.
**Consult your tax consultant.

  • We offer both fixed and variable-rate products
  • Use it as needed
  • Easy access to your funds
  • Interest charged only on what you use
  • Interest may be tax deductible*
  • Pay off and use again
  • Based on your home's current value
  • Low closing costs
  • Payment protection plan
  • Based on creditworthiness
  • Other restrictions may apply

You can also call our Branch locations for assistance.
St. Johnsbury, VT – 800.856.0026
Littleton, NH – 800.370.6455
Langdon, NH – 603.835.2560 

The Credit Union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.