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Solutions for Home Improvement Loans

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Home Improvement Loan

With a Home Improvement Loan from ICCU, you can get your home projects completed with a simple monthly payment that fits into your budget.

Home Equity Loan

With a bit of creativity and a loan from ICCU, you can make your home into your dream home.

Home Equity Line of Credit

This may be the answer for when you need to borrow for almost any reason, such as home improvement, education, unexpected expenses, debt consolidation, or even a family vacation.

HE/HELOC Loans



Save up to $400 off closing costs.


Open a Home Equity Line of Credit or a Home Equity Fixed Loan and save up to $400* on closing costs when you apply now through June 30, 2026.


*Offer valid for new Home Equity Line of Credit or Home Equity Fixed Loan applications received May 1 - June 30, 2026. All loans are subject to approval. Up to $400 off closing costs will be applied at closing. Rates, terms, and conditions are subject to change without notice. Fees could include appraisal costs (approximately $450) and title insurance based on the amount of the loan. Additional requirements may apply.

Check out our additional loan services


Sallie Mae Student Loans

Effective Date: May 1, 2026

Loan Type/Details APR*
5-Year Fixed as low as 6.25% APR
7-Year Fixed as low as 6.50% APR
10-Year Fixed as low as 6.75% APR
15-Year Fixed as low as 7.25% APR

Effective Date: May 1, 2026

Loan Type/Details APR*
PRIME + 0% 6.750% APR Variable
Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Changes on the 1st of each month. Payments based on $1.75 per $100.00 borrowed at the time of each advance. Credit limits based on SEV or appraised value.

Effective Date: May 1, 2026

Loan Type/Details APR*
PRIME + 0% 6.750% APR Variable
Based on Prime Rate with a floor of 3.00% and ceiling of 15.00%. Changes on the 1st of each month. Payments based on a 60 to 240 month tier, determined by the line of credit amount and outstanding balance at the time of each advance.

Effective Date: May 1, 2026

Loan Type/Details APR*
PRIME + 0% 6.750% APR* Variable
Changes quarterly on the 1st of Feb, May, Aug, and Nov..Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%