HOME IMPROVEMENT LOANS

Thinking about making some improvements to your home?

An OURCU Home Improvement Loan might be just what you need! These loans are designed to help you finance renovations and repairs, making it easier to turn your house into your dream home.

Rate & Terms Details:

  • Loan Amounts and Terms: Borrow anywhere from $1,000 to $20,000, with maximum term of 120 months

  • Interest Rates: The interest rates can vary depending on your credit score and loan amount ranging from 8.50% to 9.50% APR*

  • Not secured by property

Man and woman painting room in home

What kind of projects and improvements can this loan be used for?

  •  Roof replacement

  • New deck

  • New flooring

  • Sprinkler system

  • HVAC/Heat Pump Installation or Repair

  • Windows and doors

  • Appliances

  • Septic repairs

  • Landscaping

  • Paint

  • New countertops/cupboards

  • Insulation

  • Well/pump repair replacement

  • Buildings/structures that are attached to the land

*APR = Annual Percentage Rate. Rates are based on credit and subject to change. Loan term is dependent on credit and loan amount,
loan amounts.

Home improvement loans do not include requests for or items that are decorative in nature and not attached to the home or yard such as indoor/outdoor furniture or other items that would not stay with the house should it be sold.

Credit qualifications apply: Minimum Credit Score 680+ for program one, minimum loan amount $1,000 and maximum loan amount $20,000, maximum term of 120 months. Credit qualifications apply: Minimum Credit Score 630+ for program two, minimum loan amount $1,000 and maximum loan amount $10,000, maximum term of 84 months.

Example: A $10,000 loan, at a 84 month term, with a rate of 8.50% is roughly $158.36 per month. Conditions apply. Subject to approval. Ask for details.