Turn Your Home Equity Into Flexible Funds
Simplify your financial journey with our fast and flexible HELOCs. Low rates, quick approval, and the freedom to fund your future.
Why Borrow With Our HELOC
Unlock the value of your home with a line of credit designed for your life. A HELOC gives you flexible access to funds over time, while keeping the borrowing process clear and easy to understand.
Flexible Access
Borrow what you need, when you need it, during the draw period instead of taking a single lump sum up front.
Competitive Rates
HELOCs can be a cost-effective option for larger projects and planned expenses when compared with higher-interest borrowing.
Fast Approval
Qualified borrowers may be able to close in as little as 7 days with support from our local lending team.
Dedicated Guidance
Talk with real lending specialists who can answer questions from application through closing. Get expert support every step of the way.
HELOC Options That Fit Your Budget
Zing offers HELOC options tailored for borrowers repayment style that fits their goals and credit profile.
| Account | Term | Interest Rate | Key Features |
|---|---|---|---|
|
Interest-only HELOC
(higher credit scores) |
10 year draw period, 15 year repayment period | Prime Rate |
• Interest-only payments during the draw period
• Borrow up to 85% of your home’s equity |
|
HELOC with 2% Payment Factor
(lower credit scores) |
5 year draw period, 10 year payback period | Prime Rate + 3.00% |
• Repayments are 2% of the balance with a minimum $150 payment.
• Borrow up to 70% of your home’s equity |
Rates effective as of: June 7, 2026
All loans are subject to credit and collateral approval, as well as income verification and employment verification. Home loan rates are subject to change at anytime, without notice. Payment examples above are base on a $250,000 loan. Payment examples are principal and interest only. Credit, taxes, insurance, other costs, may increase the payment amount. Properties must be in Colorado.
Please consult a Mortgage Loan Officer for complete details.
Home Equity Line of Credit Disclosure
Important Terms of our HELOC
Why Members Choose Zing
We are so happy with our relationship with Zing. When we started, we had two to three people and were very lean. Over the last few years, we’ve had the opportunity to expand and Zing has helped us keep up with our fast growth. Maria is just as much a member of our team as any other person here. We value our partnership with Zing.
I switched to Zing from a large bank, and could not be happier. I have less fees hitting my account and I especially love the Mile High APY account I have. It helps me save a little bit of money everyday, and I don't even have to think about it.
I love working with the staff at Zing Credit Union. They are very professional and put the customer first. I have opened a personal checking and business account with Zing Credit Union and love it. I would encourage people to use Zing Credit Union over major banking institutions. They have the best interest rates for businesses, car loans, and mortgages.
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A Home Equity Line of Credit (HELOC) is a type of loan where you borrow against the equity in your home. It works like a credit card, giving you access to funds up to a set limit. You can borrow and repay as needed during a draw period, typically 5-10 years. After that, there’s a repayment period, typically 10-15 years.
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Common uses include home improvements, debt consolidation, and major planned expenses.
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Once approved, you can draw from your available credit line during the draw period.
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Borrowing limits depend on your home equity, credit profile, and the HELOC structure you qualify for. Zing’s current HELOC options go up to 85% of home equity on qualifying products.
Ready to Put Your Home Equity to Work?
Join countless others who have benefited from our HELOC solutions. Apply today to see which Zing HELOC option fits your goals.
All loans are subject to credit and collateral approval, as well as income verification and employment verification. HELOCs only available on primary dwellings. Not available on rental or investment properties. Max line of credit is $250,000.
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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