Home Equity Loans

Our home equity loans and lines of credit are designed to help you use the equity in your home responsibly. If you’re considering a home renovation or planning for another major expense, one of these products might be the answer.

With a home equity loan you can borrow up to 95% of your home’s value while enjoying the security of fixed rates. With a home equity line of credit you have access to as much or as little of your home’s equity as you need. Our representatives will help you find the home equity solution that’s right for you.


Both products feature:

  • Competitive rates
  • Flexible terms
  • No prepayment penalties
  • Potential for year-end interest refund
  • Manage your account, make payments and transfer funds using our app.
  • Interest may be tax deductible*


* Consult your tax advisor regarding the deductibility of interest. Home equity loan products are only available on primary residences in the state of Tennessee.

Our Interest Refunds

When you become a member of Ascend, you also become an owner. So when we do well, you reap the rewards. While never guaranteed, each year our volunteer, unpaid Board of Directors strives to offer a member return. Over the past 10 years, we’ve given our members more than $60 million in interest refunds and bonus dividends. Last year alone, we returned $6.5 million to our members.

Ready to talk? Call 800-342-3086, drop by any of our convenient locations or apply by clicking below.