Home Equity Loans

Access money from the equity in your home when YOU NEED IT!

Home Equity Line of Credit

Benefits include:

  • No annual fee.
  • No early termination fee.
  • No minimum balance requirement.
  • Seven-year draw period.
  • Up to 100% loan-to-value.*
  • No application or origination fees.
  • Anywhere, anytime access via Day Air Online Banking.
  • Interest paid may be tax-deductible. (Consult your tax advisor for details)

Home Sweet Loan

Benefits include:

  • Up to 100% loan-to-value.*
  • Low fixed rates.
  • Closed-end loan with one time disbursement.
  • Terms up to 180 months.*
  • Closing costs may be financed.
  • No application fees.
  • Interest paid may be tax-deductible. (Consult your tax advisor for details)

Mortgage Freedom Loan

Refinance your mortgage balance up to 70% of appraised value of your home. ($20,000 minimum, $195,000 maximum)

60 to 120 Months
(as low as)

2.99% - 3.24%

Variable APR*


Questions? Fill out the form below or call 937-643-2160


*Upon approved credit – based on credit qualifications. Applicable interest rate varies depending on your credit qualifications and loan to value ratio. APR = Annual Percentage Rate. The equity line has a variable rate feature and is indexed to the Prime Rate. Maximum Home Equity loan is $200,000. DACU’s mortgage programs are available only to residents in the State of Ohio. Consult your tax advisor for tax deductibility. Closing costs can range up to $427.

You are encouraged to use the NMLS Identification Number(s) to conduct additional research within the NMLS Consumer Access website. NMLS Consumer Access is a free service for consumers which provides licensing information for mortgage lending institutions and individual Mortgage Loan Officers. You may access this service by visiting the NMLS Consumer Access website at:

NMLS ID: 411837.