YOUR DREAM:
Your home equity can help make it happen.
You've worked hard to build equity in your home. A Home Equity Line of Credit (HELOC) from Sierra Pacific Credit Union can help you put it to work.
Whether you're planning a renovation, preparing for education expenses, consolidating debt, or simply want added financial flexibility, a HELOC gives you access to funds when you need them—so you can focus on what comes next.
PLUS, GET $350 TOWARD CLOSING COSTS.*
What does your dream look like?
Your home equity can open the door to more than home improvements. A HELOC provides a flexible source of funds you can use for the things that matter to you.
A Kitchen Worthy of Your Culinary Skills.
Been saving inspiration for years? Your home's equity could help turn the kitchen you have into the kitchen you've been dreaming about—or tackle other renovations that make home feel more like yours.
The Start of a Bright Future.
From tuition and education expenses to helping prepare for an important next chapter, your equity can help you invest in what's ahead.
Financial Peace of Mind.
Sometimes the dream isn't something you can see. It's simply knowing you have options. A HELOC can provide access to funds for unexpected expenses, debt consolidation, or other financial needs.
Why a HELOC?
Unlike a traditional loan that provides one lump sum, a Home Equity Line of Credit provides a revolving line of credit backed by the equity you've built in your home.
That means you can borrow what you need, when you need it, giving you flexibility for planned expenses and the ones you didn't see coming.
Potential uses include:
- Home renovations and repairs
- Education expenses
- Debt consolidation
- Major purchases
- Unexpected expenses
- And whatever your dream looks like
Your equity. Your possibilities.
Get started with a Sierra Pacific HELOC today and receive $350 toward qualifying closing costs.*
Offer subject to credit approval and membership eligibility. $350 closing cost offer applies to qualifying Home Equity Lines of Credit. Additional terms, conditions, and restrictions may apply. Contact Sierra Pacific Federal Credit Union for complete details. Federally insured by NCUA. Equal Housing Opportunity.
*To participate in this offer, the Skip-A-Pay form must be returned to Sierra Pacific no later than three (3) business days prior to the scheduled monthly transaction date. Your ACH will not be stopped. Your funds will be available for withdrawal in your Sierra Pacific savings account. Available for November 2025 or December 2025 qualifying loans only. Loan must be open for at least three (3) months to qualify, and members must be in good standing. Interest will accrue during the entire term of the loan, including the non-payment period. HELOCs, credit cards, and overdraft lines of credit are not eligible. Not all members qualify. Members must apply between November 2025 and December 2025 to qualify. See credit union for details. Federally insured by NCUA.