Why Join
We are committed to making sure members are on the financial path that works best for them and their situation.
Unlock your equity with Oklahoma’s #1 Credit Union.
Your home's equity is the difference between its current value and what you still owe on it. As Oklahoma's #1 credit union, we make it easy with straightforward loans and lines of credit, allowing you to unlock your equity.
Use Your Equity For:
- Debt Consolidation - Lower your monthly payments
- Home Improvements - Create the space you've dreamed of
- Pay for College - Invest in your family's future
Two Ways to Use Your Home's Equity
TTCU offers two flexible solutions to put your home's equity to work:
Home Equity Line of Credit
Rates as low as 6.5% APR
A HELOC works like a credit card—borrow what you need when you need it. Ideal for ongoing projects or when you need financial flexibility. Learn more about a Home Equity Line of Credit
Home Equity Loan
or Second Mortgage
Works like a traditional loan—Get a one-time lump sum. Perfect for large expenses when you know your budget. Learn more about a Second Mortgage
Ready to Discover Your Home's Potential? Get Started Today!
- Apply online
- Email us to get started
- Contact a Mortgage Loan Originator
- Calculate Your Equity
With approved credit. Some restrictions apply. Property and/or flood insurance may be required. Rates are subject to change. You may be required to reimburse TTCU for HELOC closing costs if the credit line is closed within the first three years. You may be required to pay for the full appraisal if you request a full appraisal. $5 minimum deposit to open membership. * APR = Annual Percentage Rate. Maximum APR is 18%. Minimum monthly payments is interest only or $30, whichever is greater for first 5 years. After the 1st month or 36th month depending on the product you choose, your rate is based on an index plus a margin and varies monthly. The margin may vary based on credit score and loan to value. As of 5/9/2025 the fully indexed rate is as low as 7.500%. The index is the Highest Prime Rate published in the Wall Street Journal as of the 25th day of each month. Equal Housing Lender.