Planning on some home updates? This loan is ideal for small projects where you don’t want to tie up your home equity and can pay your loan off quickly.
Home Improvement
With a set monthly payment and low limits, our home improvement loans are perfect for small projects. We've designed them to be paid down quickly, which means you can get what you want done without tying up your equity.
Home Improvement Loans carry a lower interest rate than our Personal Loans because they are for the specific purpose of permanently improving your home. The amount available may be up to $25,000, with a repayment period of up to seven years. Available home equity is not required, and a lien is not placed against the home.
Lower Your Rate Even More With Co-op Points
That's right. With 2,500 Co-op Points, you can reduce your Home Improvement Loan rate by 0.25%.
Home Improvement Loan Rates
| Product | Annual Percentage Rate (APR) | Max Term | Limits |
|---|---|---|---|
| Home Improvement | 8.75% | 36 Months | $25,000.00 |
| Home Improvement | 9.75% | 60 Months | $25,000.00 |
| Home Improvement | 13.50% | 84 Months | $25,000.00 |
| The current prime rate is: 6.75%. Rates effective as of August 3, 2026. Rates subject to change at any time. |
Payment examples: 8.75% for 36 months equals $31.69 per $1,000 borrowed.
Find additional details and disclosures visit here.
Disclosures and additional details
The current prime rate is: 6.75%. Rates effective as of August 3, 2026. Rates subject to change at any time.
Disclosures
Minimum approval of $500 is required. Granting this offer, after you respond to it, is conditioned upon your satisfying any applicable criteria bearing on your creditworthiness, including income, employment, and any other information you may provide on your application. Because this is a special one-time promotional rate, Co-op Points are not available to lower rate.
•§ Maximum term for home heating is 12 months unless a Secondary Share Account has been established to pay for the following year's heating expenses.
•Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• Payment examples: 8.75% for 36 months equals $31.69 per $1,000 borrowed.
Details
Home Improvement Loans carry a lower interest rate than our Personal Unsecured Loans because they are for the specific purpose of permanently improving your home. The amount available may be up to $15,000, with a repayment period of up to seven years. Available home equity is not required, and a lien is not placed against the home.