Home Equity
You can schedule automatic payments from your Atomic Credit Union account every month, hassle-free.
The financing you need–right under your roof
Home repairs and remodeling projects are often top of mind for members using home equity—but the possibilities don’t stop there.
A Home Equity Loan or Line of Credit can also help with:
- Debt consolidation
- Medical expenses
- Vehicle purchases
- Education costs
Or any other financial goal life throws your way.
With flexible options and competitive rates, your home’s equity can be a powerful tool to help you move forward with confidence.
Make your dream home a reality with Atomic Credit Union's home loan options. Apply online or by visiting us at a Southeast Ohio branch.
Home Equity Loans
- Get all your money up front
- Loan limit depends on the equity you have in your home
- Choose repayment terms of 5-30 years
- No prepayment penalties
- Fixed monthly payments make budgeting easier
Home Equity Lines of Credit
- Access this line of credit as often as you wish during a 10-year draw period
- Credit limits depend on the equity you have in your home
- Access funds through Digital Banking or at Atomic Credit Union locations
- Pay interest only on the funds currently in use
- As you repay the credit line principal, you can reuse the funds for other purposes
- No prepayment penalties
We're dedicated to providing the products and resources necessary to help you reach your financial aspirations.
Frequently asked questions
Use your credit line for home renovations, college expenses, and more—with unlimited access whenever you need it.
If your application is submitted during operating hours and all required information is provided, you can expect a same-day response. Applications received after hours will be reviewed, and you can expect a reply on the next business day.
Tools for your dream home
Get the information you need to pick a mortgage.
Receive a guide to build the credit needed to secure a great rate.
Access online and mobile banking services.
Keep your personal information secure.
- Set aside funds for unexpected costs
- Save for big purchases and goals
- Use digital banking tools
- Make automatic transfers from checking