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Finally, someday can be today – thanks to Alltru.

The equity you’ve built in your home could help you turn those dreams into reality. Ready to make some upgrades? Need to consolidate high-interest debt? There’s no reason to put it off any longer. Let Alltru Credit Union help you move forward. Alltru Home Equity loans and Home Equity Lines of Credit can help you get the cash you need – exactly how you need it.

Home Equity Loan Overview

A home equity loan acts like a traditional loan – helping you draw on the equity of your home to borrow money at a very low rate. You can use the money for anything: home repairs or upgrades, education expenses, even a vacation. It’s up to you.

Low fixed rates.

And flexible terms up to 15 years.

No closing costs.

And no hidden fees.

Instant funds you can use your way.

All supported by a friendly, knowledgeable staff.

Alltru Home Equity Loan



Alltru Home Equity Loan Rates
Type Loan amount Term As low as APR*
Home Equity Loan1

$10,000 minimum

8 years (up to 90% max CLTV)


$10,000 minimum

15 years (up to 90% CLTV)


Sign up for automatic payments and get a 0.25% rate discount.1

Home Equity Line of Credit



Home Equity Line of Credit Overview

It never hurts to be prepared for the unexpected. A home equity line of credit from Alltru Credit Union works like a home equity loan, but gives you access to your funds, via online banking or in-person transactions, just like a traditional bank account.

Wide range of credit lines.

From $10,000 to $100,000.


Introductory 1.99% APR.

For the first 6 months.

Money into Phone Icon

Easy access to funds – your way.

Via online banking or in-person transactions.

Flexible 5-year draw with varying payback periods.

10, 15, or 20 years depending on the loan amount.

Alltru Home Equity Line of Credit Rates
Type Loan amount Term As low as APR*
Home Equity Line of Credit (HELOC)2

$10,000 minimum

Up to 300 months


“I do all of my banking with Alltru. My home mortgage, auto loans, credit card, savings account – you name it.”

Alltru Member

Looking for help paying your loan?

Learn how to pay, and who to contact if you need help paying your bills.

Let’s Talk

We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.