Home Loans

Home Equity

Debt consolidation, remodeling, home additions and major purchases all can be made easily when you finance with the credit union and use the equity in your home!  We even offer two fixed rate, 80% loan to value Home Equity programs with 5 and 10 year terms. 

HELOC Amount Rate Type
80% LTV Variable
80% LTV Fixed, 5-year term, 2-year draw
80% LTV Fixed, 10-year term, 2-year draw
100% LTV Variable

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Home Equity Line of Credit

You can advance this line by stopping by a branch or by calling Member Services.

Use a home equity line of credit to

  • Consolidate debt
  • Remodel
  • Make home additions and major purchases
  • Pay for College expenses

Our home equity loans offer a very attractive rates and the interest you pay may be tax deductible! Consult a tax advisor to be sure.

For more information call any of our locations. Apply for a HELOC online, or stop by any branch location to apply.

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Home Mortgages

Whether you are a first-time home buyer, trading up, or purchasing a second home, Railroad & Industrial Federal Credit Union has a mortgage that is the right program to fit your needs.

Our mortgage options include conventional, fixed rate and adjustable rate mortgages as well as government backed FHA, VA and USDA loans. To fit the ubiquitous needs of some of our members, we offer other unique programs. And what's best of all, we make the otherwise stressful process of financing your home an easy, fast and more enjoyable experience.

Find out more about the programs available and to start your loan application online.

If you're not sure what type of loan you need, email or call and our representative will be happy to assist you! 

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