Experts will guide you to secure the optimal home equity loan
Getting a home equity loan can be a big decision. Fortunately, our home loan team has decades of experience and they're here for one reason: to help you. They'll answer your questions and help you make the best decisions.
Why you should talk with one of our home loan experts
Free consultation
We’ll meet with you, answer your questions, and help you make the best decision without charging you a dime. Even better, there’s no obligation on your part.
Local underwriting
Different states have different rules. Zing Credit Union underwriters are all local, so they understand how to process your home equity loan quickly, efficiently, and (most importantly) correctly the first time.
Decades of experience
With a combined 32 years of experience, Zing Credit Union financial professionals are prepared to answer all your questions and get you the financing you need to fit your unique goals.
Home Equity Solutions
Not sure which is the best fit?
Our local mortgage lending team has over 32 years of combined experience. They are standing by to help!
Valuable Resources
Using your home’s equity
There’s money just sitting in your home. From home improvement projects and debt consolidation to education expenses, vacations, and more, you can pay for the things you need using the equity you’ve built in your home, without needing a high-interest loan.
Debt consolidation
Use your home as collateral to get a large loan at a low rate and use the funds to pay off any high-interest debts. Not only can a home equity loan help get you out of debt, but it can also save you money in the process!

Home improvement
Home projects can be expensive. Why not use the value in your home to pay for improvements? If you’re not sure how much the project will cost, you can get a home equity line of credit with fixable drawdown and payback terms for ongoing flexible financing and predictable payments.

Education expenses
Fund your household’s education with ease. Student loans aren’t always affordable, even with financial aid. When you use your home’s equity to pay for educational expenses, you can get more funding at a lower interest rate to pay for tuition, books, lodging, or anything else that will help you or your family members achieve their dreams.

We received a HELOC for home improvements. It went very smoothly and was completed in a timely manner. Everyone we worked with was very informative and cordial. Awesome to work with. 10 out of 10 stars for me. They are the best.
Our experts will answer your questions and help you get the best home equity loan
Getting a home equity loan can be a big decision. Fortunately, our home loan team has decades of experience and they’re here for one reason: to help you. They’ll answer your questions and help you make the best decisions.
Home Equity Loans – Get Cash Out of Your Home Disclosures
*All loans are subject to credit and collateral approval, as well as income verification and employment verification. HELOCs only available on primary dwellings. Not available on rental or investment properties. Max line of credit is $150,000. What You Should Know about Home Equity Lines of Credit (HELOC).
*APR is Annual Percentage Rate. All loans are subject to credit approval, as well as income verification and employment verification. Home loan rates are subject to change at any time, without notice. Minimum loan amount is $10,000. Maximum loan amount is $50,000. Maximum loan amount is subject to credit qualification. Maximum term is 120 months (ten years). For a $50,000 loan at APR for 120 months, the principal and interest payment would be . Properties must be in Colorado.
Please consult a Mortgage Loan Officer for complete details.
Home Equity Calculator
Borrower Checklist
TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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