Good Bones, Great Potential

Get started with a 3.99% introductory APR for 6 months. After the introductory period, variable APRs currently range from 6.50%–8.50%, based on creditworthiness and qualifying criteria*.

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Home Equity Line of Credit

Flexible borrowing backed by your home's equity.

Access available funds when you need them and borrow only what you need.

  • Flexible access to available credit
  • Use funds for projects, expenses, or future plans
  • Competitive rates and local service
Apply Now Contact Us for Rates

Meet Our Home Loan Officers

Braylan Bean

Braylan Bean

NMLS #2160785

Idaho Falls, ID

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Dustin Lopez

Dustin Lopez

NMLS #542569

Star, ID

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Ryan Jensen

Ryan Jensen

NMLS #2348151

Idaho Falls, ID

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Sheri Spencer

Sheri Spencer

NMLS #1630739

Idaho Falls, ID

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Frequently Asked Questions

What is a HELOC?

A Home Equity Line of Credit is a revolving line of credit secured by the equity in your home.

How is a HELOC different from a home equity loan?

A HELOC provides flexible access to funds as needed, while a home equity loan typically provides a lump sum.

What can I use a HELOC for?

Common uses include home improvements, debt consolidation, education expenses, and other major purchases.

How much can I borrow?

Loan amounts depend on available equity, credit qualifications, and lending guidelines.

How do I apply?

Apply Online, or visit a Frontier branch.

Put Your Equity to Work

Discover how a HELOC can help you fund what's next.

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Promo Disclosures

LIMITED TIME HELOC 3.99% INTRODUCTORY RATE DISCLOSURES

A Home Equity Line of Credit (HELOC) is secured by your home. Failure to make payments or meet other obligations under your agreement could result in the loss of your home.

The Annual Percentage Rate (APR) is variable and based on the Prime Rate published in the Wall Street Journal. Your minimum monthly payment may increase if the Prime Rate increases. The introductory APR is 3.99% for the first six months. After the introductory period, the APR will adjust to the Prime Rate plus a margin, which is determined at the time of application based on your creditworthiness and qualifying criteria. Introductory APR of 3.99% for HELOCs opened between 12/1/2025 – 09/30/2026.

As of 08/21/2026, the Prime Rate is 6.75%, making the lowest APR available 6.50% and the highest APR available 8.50%, for a primary residence. The APR will never fall below 3.50% and will never exceed 18.00%.

To open a HELOC, the estimated total of third-party fees required to open the plan ranges from $0 to $1,214.50. You may request an itemization of these third-party fees. If the HELOC is closed within 36 months, an early termination fee of $500 will be charged.

The draw period is 10 years, during which time interest-only payments are required. After the draw period ends, the repayment period is 15 years, during which principal and interest payments are required. If you make only interest-only payments during the draw period, your payments will increase during the repayment period.

Maximum loan-to-value (LTV) is 90%. Member qualifications, credit approval, and property insurance are required. Additional terms and conditions apply and are subject to change without notice. Contact Frontier Credit Union for full details. Consult a tax advisor on tax deductibility.