TopLine Home Equity Financing

You've put a lot into your home. Now get more out of it.

A home equity line of credit or loan from TopLine Financial Credit Union may be the perfect way to pay for those wish list items you've been dreaming about. Whether you use the money for home improvements, a new car, school tuition or travel, you'll enjoy exclusive TopLine benefits-including competitive rates, low (or no) fees, free online account access, flexible repayment options and more.

Today's Rates      Apply Online    Check Application Status

Home Equity Line of Credit Interest-Only

TopLine's Home Equity Line of Credit Interest-Only allows you the flexibility to tap into the equity of your home for any reason  home improvements, tuition, debt consolidation, emergencies and more!

Features Include:
  • Interest-Only
  • Minimum Loan Amount: $10,000
  • Term: 30 years with a 10-year draw period
  • Rate: Variable based on credit history.*
  • Payments: Interest only based on outstanding balance or $50.00, whichever is greater.
  • Repayment Period: 20-year fully amortized principal and interest payment based on the balance at the end of the draw period.​​​​​​
    Apply Online


Home Equity Loans

Know exactly how much you need? With a TopLine Home Equity Loan, you can borrow that amount in one lump sum with competitive loan rates and a variety of repayment options that fit your needs.

Features Include:
  • Fixed APR Payments
  • Minimum Loan Amount: $10,000
  • Terms: 5 to 20 years
  • Rate: Fixed based on credit history.
  • Payments: Fixed based on rate, term, and loan amount.
  • Repayment Period: 0-60 months, 61-120 months, 121-180 months or 181-240 months.
    Apply Online

TopLine Offers Home Insurance

Interested in seeing if you could save money on your home insurance?

See Insurance Options

*Annual Percentage Rate (APR) starts at 6.49% to 9.49% for the first 12 months based on your creditworthiness. APR is variable and will adjust with the market based on the Wall Street Journal Prime Rate, subject to as low as 3.99% APR floor and 17.99% maximum. Offer available on new HELOC only and cannot be used to pay off an existing TopLine home equity product. Rates, terms and conditions subject to change. Some restrictions may apply. Loan subject to approval and is based on creditworthiness. Property appraisal may be required. Borrower is responsible for paying the appraisal fee when it is conducted. Interest may be tax deductible. Members should consult with a tax advisor. For current rates and other details please visit, call 763-391-9494 or visit any branch. Must be eligible for membership at TopLine. Membership is required to obtain a home equity product. **Loan to value is 85% or less. Payment is $6.31 per thousand dollars with a $50 minimum. Interest only payments during 10-year draw period followed by a 20-year repayment period with fully amortized principal and interest payments. †Closing costs waived. Closing costs may include title search, application fees, mortgage registration tax, recording fees. If the line of credit is paid off and closed within 36 months of the opening date, an early closure fee will be applied which requires reimbursement of the closing costs paid for by the credit union.