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Home Equity Line of Credit

Leverage Your Home's Equity with Our HELOC


Unlock the value of your home with a Home Equity Line of Credit (HELOC) from Guadalupe Credit Union. Whether you're planning for education expenses, home improvements, or facing unforeseen medical bills, a HELOC provides the financial flexibility you need, when you need it.

Why Choose a GCU HELOC?

  • Ongoing Access to Funds: Once approved, access your funds for 5 years without the hassle of reapplying. It's the financial flexibility you've been looking for.
  • Competitive Credit Limits: With minimum lines starting at $5,000 and maximums up to $100,000, we offer the range you need to support your financial goals.
  • Local Focus: Your home must be located in Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora, or Colfax counties. We're committed to serving our community, ensuring your loan stays local.
  • Flexible Payment Options: Enjoy interest-only payments during the draw period. Afterward, choose to pay off your loan, set up amortized payments over 10 years, refinance, or apply for a new HELOC.
  • Accessible Advances: Get the funds you need with a minimum credit advance of $100 for the first and each subsequent advance.

Family and home renovations

Get Started with a HELOC Today. Your home equity could be the key to your next big project or financial need. Don't let opportunity pass you by.

  • Apply Online: Ready to tap into your home's equity? Complete our easy online application process right here on our webpage.
  • Visit Us: Prefer a personal touch? Our branches are open and our team is ready to help you get started. Find your nearest location and let's talk about your options.


Interested in applying? Please submit your information below.

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Subject to member eligibility and credit approval. Lending restrictions apply, see a mortgage loan officer for details. GCU is an equal opportunity lender. If you have any questions, please email us or call us at 505-216-0518. NMLS # 709308.

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Guadalupe Credit Union
3601 Mimbres Lane
Santa Fe, New Mexico 87507
Routing Number: 307084347
Federally Insured by NCUA
Equal Housing Opportunity
NMLS # 709308
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