Home Equity Line of Credit

Use your home’s equity to fund what matters most

A HELOC gives you access to funds as you need them. Perfect for projects, life surprises, or anything in between.

Start an application

Your home has likely gained value and that means you’ve built equity. A Home Equity Line of Credit (HELOC) lets you borrow against that value to take care of what matters most. At Volt, we offer HELOCs with typically lower rates than traditional loans, plus the flexibility to use the funds how and when you need them. It’s not just for home improvement! Think debt consolidation, a dream wedding, travel plans, or simply being prepared for life’s surprises. It’s your equity so let’s put it to work in a way that fits your life.

Use what you need, when you need it

Draw from your credit line as life happens, up to your approved limit, and pay interest only on the amount used.

Lower rates, more possibility

With lower interest rates than typical credit cards or personal loans, your money goes further.

Funds that fit your life

From renovations to emergencies (and everything in between), your HELOC is there when you need it.

Applying is simple

We’re with you every step of the way.

Step 1

Contact our HELOC team at
417-862-0471 to discuss rates & options.

Step 2

Start your application online, then finish up with us in person when you’re ready.

Step 3

Get approved and start using your funds when you need them.

HELOC Calculator

Curious about your home’s equity?
This calculator can help you see how much you may be able to use.

View rates

Monthly Payment

Loan Amount

Rate (APR)

Term

Our members' stories

Volt has been there for our family and helped us purchase a truck for our daughter, refinance our farm to get a better interest and a home equity to help build my office for my work at home. Even though my family has used a bank for 40-50 years in the past, they are not on a personal level. Working with Teri has changed that for us.

My husband and I consolidated some debt into a Home Equity Line of Credit (HELOC) awhile back and were so happy with our experience we have since moved our savings and checking accounts too! There are very few fees and they are MUCH lower than the big bank we were with before. The High Voltage checking account earns 2.5% interest which is awesome. The team is knowledgeable and friendly. Finally, we love supporting not only a local business, but one that does so much for the community.

Ju-Lynda was so helpful in getting my HELOC secured! She was thrown some curve balls during the process, but not once did she say this wasn’t going to work! She made it happen! It’s a great feeling to know we have employees working for the member and on behalf of VOLT credit union!!

Discover the Possibilities with a HELOC from Volt

Watch our quick video to see how your home’s equity can support what matters most to you.

Frequently asked questions

Yes, you can! A HELOC lets you tap into your home’s equity without having to pay off your existing mortgage. As long as there’s available equity, we can lend up to 90% of your home’s value, minus what you still owe on your mortgage. Instead of a full appraisal, we typically use an Automated Valuation Model and a property condition report to determine your home’s value making the process faster and simpler.
Yep! There are some closing costs involved, and they typically range from $1,200 to $1,500.
The good news? These costs are taken from your credit line when your HELOC is funded so no out-of-pocket payment required upfront. Easy and budget-friendly!

You've worked hard for your home, so let it work for you.

A HELOC with Volt Credit Union gives you the freedom to handle what's next, with a team here for you whenever you need us.

Start an application

Rates

Home Loans

Home Equity Lines of Credit (Adjustable Rate)

Call for Current Rates

Home Improvement Loans

Rates effective as of: October 1, 2025

*APR is Annual Percentage Rate. Your rate may vary based on credit history and underwriting guidelines. Programs, rates, terms, and conditions apply and are subject to change without notice. Federally insured by NCUA.

Example table

Column Title

Cell Value