Home Equity Line of Credit (HELOC)

A HELOC is an ideal way to use the equity in your home to pay for ongoing expenses like education, home improvements, or medical bills.

Once your loan closes, you can access your funds for 5 years without having to reapply


  •  The minimum credit line is $ 5,000; The maximum is $ 100,000.
  •  The minimum drawing is $ 500.
  •  The home must be located in Santa Fe, San Miguel, Río Arriba, Bernalillo, Sandoval, Torrance, Taos, Mora or Colfax counties.
  •  Interest-only payments during the draw period. After the draw period, you can pay off your loan, set up amortized payments over 10 years, refinance, or apply for a new HELOC.


*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.


Are you interested in a HELOC?

Visit one of our branches or submit an online application below.

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Guadalupe Credit Union
3601 Mimbres Lane
Santa Fe, New Mexico 87507
505-982-8942 | 1-800-540-5382

Routing Number: 307084347

NMLS # 709308

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