Tap into your home's equity you've built up through our Home Equity Line of Credit program.
The credit line is accessed by check or cash withdrawal and you have the option of paying
principal and interest, or just interest, each month. We offer several different programs
to fit your budget.

• Apply online, in a branch or call 978-345-1021 and
  select options 3,2,2
• There are no check charges and no transaction fees
• Local lending decisions & fast approval
• Workers' offers the option to convert all or part of your line of credit
  to a fixed-rate equity loan at any time
• After the first ten years, the re-payment is interest plus principal
• The home must be a one to four family owner-occupied dwelling

For additional Home Equity Line programs click  

Workers' Home Equity Loans

Take advantage of your homes equity without disturbing your current mortgage rate.
Workers' Home Equity Loan offers a competitive fixed rate based on the term of the loan.
You can pay more than the minimum at any time, without penalty.

• Apply online, in a branch, Apply online or call 978-345-1021 and
  select options 3,2,2
• A fixed rate of interest for the entire term of the loan
• Up to 20 years to re-pay the loan
• The borrowers home acts as collateral
• The home must be a one to four family owner-occupied dwelling
   

*An introductory Annual Percentage Rate (APR) of 1.99% until December 31, 2013 with a periodic rate of 0.00545. Thereafter, the APR will be set on the first business day of each month which will be either a floor rate of 3.99% APR with a periodic rate of 0.0109%, or, .50% below the Prime Rate published in the Wall Street Journal on the last business day of each month, whichever is greater. 10 year draw, 10 year repayment. Maximum 80% combined loan to value ratio. Maximum rate is 18%. Minimum rate is 3.99% . Minimum line amount is $25,000. Annual fee of $30.00 will be waived if borrower has monthly payment automatically withdrawn from a Workers’ Credit Union checking account. Offer applies to new lines only, on owner-occupied primary residence. Homeowners insurance required. $350 early termination fee will be charged if discharged in the first two years. Offer may be withdrawn without notice. Workers’ Credit Union membership required. Subject to our normal credit requirements.

**Annual Percentage Rate (APR) includes a .50% discount for automatic electronic loan payments from any Workers' Checking Account. Other rates and terms are available. Rates subject to change without notice. Maximum 80% loan to value ratio. Offer applies to new loans only on owner-occupied primary residence. Homeowners insurance required. Subject to our normal credit requirements.