Home Equity Line of Credit (HELOC)

Unlike a loan, a line of credit is readily available — you apply for the line once, then draw on it as you need it. Anything you’ve paid is immediately available to draw on again and you only pay interest on what you’ve borrowed.

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As Low As
3.25 %

Low Rates

Member Benefits

Competitive Rates

For any recurring or one-time needs, we have competitive rates based on loan-to-value (LTV) for you!

Revolving Credit

As principal is repaid, it becomes available for use again. Draw on the line of credit for up to 10 years with repayment terms up to 15 years.

Local Decision Making

Our easy application process with attentive, friendly service from start to finish will provide you with an unparalleled loan experience.

Enjoy the Perks

More Benefits

Standard and interest-only HELOC options

The existing equity in your home is used as collateral backing

Funds available anytime without reapplying; apply once, then use repeatedly thereafter

Revolving credit — as principal is repaid, more becomes available for use

Funds easily available via check or in-person/online transfer

Pay interest on only the amount you use

Ideal For Members

With fluctuating income

Who plan on selling their home after renovations

Who need to consolidate debt

Who need a large sum of cash for an investment

Who need to minimize monthly payments

Making a down payment on a second home before selling their first

NEW Interest-Only HELOC

All the benefits of our standard HELOC with the ability to make very low interest only payments. This gives you ultimate flexibility while keeping payments minimal.

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Home Equity Line of Credit

Kenya explains what a HELOC is and how you can use it. In this video, we discuss the difference between a Home Equity Line of Credit and a conventional home equity loan as well as the advantages and disadvantages of HELOCs.

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Member Praise

  • On more than one occasion the employees have gone above and beyond to help solve a problem with us. … read more

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    Kim Katz

    I enjoy banking here. I don’t feel as though they are “out to get me” as one might expect… read more

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    The first and most important thing I would say is that this Branch seems to have wonderful people, who are… read more

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    Jeff Beck
  • Good and very awesome bank for the brave men and women that serve colorado state.

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    DamianFranklin Okolie

    The staff is the greatest. They make your experience there wonderful. Best financial institution I’ve ever been… read more

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    Dennis Page

    5 star ratingExcellent service and customer care. RMLEFCU offers wonderful member benefits and a personal touch to everything. I've enjoyed… read more

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    David P.
  • 5 star ratingThe staff at RMLEFCU are almost always extremely courteous and helpful. They have one employee Patrick who,… read more

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    Mary C.

    5 star ratingEver since I married into a police family I've used RMLEFCU, and have had nothing but wonderful experiences. Every time we… read more

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    Melanie S.

    The staff at Rocky Mountain Federal Credit Union is very friendly. My wife and I have been using the credit… read more

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    David Stark
  • They are always very helpful and friendly !!!!!

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    michelle mancera

    The Rocky Mountain Law Enforcement Credit Union is my #1 Choice for all my banking and financial needs. (I have… read more

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    Nani Kai

    Absolutely fantastic people great service

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    Andy Bashore
  • I love this branch! Everyone is very personable and always asks how you are doing. They are always very helpful… read more

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    Bryanna Thompson

    5 star ratingI can't say enough good things about RMLEFCU! I frequent the Park Meadows location and always have a great experience… read more

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    Chelsea G.


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    Rene Ramirez
  • 5 star ratingSimply put, this is by far the best banking establishment around! Amazing customer service!

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    Dan M.

    5 star ratingI have been banking here since…well…birth. My grandfather was a police officer and opened an account for me when I… read more

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    Sara B.

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1. APR=Annual Percentage Rate. With approved credit. Some restrictions may apply.