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4 Tactics to Make the Most of your Equity
September 05, 2025 |

The Home Equity Secrets Smart Borrowers Already Know

Most people think home equity loans are only for home improvements. But here are four tactics that financially savvy borrowers are putting to use to get even more from their home. From lowering monthly payments to investing in the future, these home equity tips can help you unlock financial flexibility.

How can I use home equity to make my payments lower?

A home equity loan can help you consolidate other debts (think credit cards, personal loans, or even a car loan) into one predictable monthly payment, often at a much lower interest rate. This provides you with: 

  • Less time and stress spent paying bills
  • Much easier budgeting
  • More money left over for other things

And with our current home equity loan special, you won’t make any payments for 90 days*, giving you even more breathing room.

How can I get rid of high-interest debt?

By tapping into your home’s equity, you can pay off high-interest debts in one move and replace them with a much lower rate. This strategy has helped many Credit Union of Ohio members save thousands! Right now we are offering as low as 1.99% APR for 6 months* on a home equity line of credit, so it’s a great time to make a positive change.

How does home equity help me create easy access to cash?

Whether it's a large medical bill, a business idea you're ready to launch, or simply needing funds for a personal goal, a home equity line of credit can help provide easy access to cash when you need it most. 

Can I use home equity for other opportunities?

Many financially savvy borrowers are using home equity to fund income-producing opportunities. Whether that’s real estate, renovating a rental property, or even putting money toward an entrepreneurial venture, a home equity loan can give you the power to act when opportunity knocks.

Using your home equity strategically can help you build even more wealth. Are you ready to get started? Apply online in minutes!

And if you're not a homeowner yet, no worries! Our team can help you get there. From first-time homebuyer guidance to mortgage pre-approvals, we’re here to support every step of your journey. Call 800.443.5698, set up an appointment, or stop by your local branch to get started.

*Existing CUO loans are not eligible for this offer. No payment for 90 days applies to Home Equity Loans. Current rate as low as 7.50%. 7.93% APR based on $75,000 loan up to 80% Loan-To-Value (LTV) with $758 in closing costs. Maximum APR of 18%. Interest will accrue during the deferral period and will increase the total amount to repay the loan. 1.99% APR introductory rate applies to Home Equity Line of Credit (HELOC) for qualified members. 8.89% APR based on $75,000 loan up to 80% LTV with $726 in closing costs. After introductory period, rate may vary based upon following: credit rating, value of collateral, and term. This offer may change at any time. Maximum LTV 90%.