If you are a homeowner looking to fund a major project or take control of your finances, your home's equity is one of your most powerful tools. At Frontier, we help local families turn their home’s value into usable cash with competitive, tailored financing. Located right here at 690 Eisenhower Road, our team provides the community-first service you deserve, without the rigid processes of a big national bank.
Curious about current numbers? Check our current market rates to see how affordable borrowing locally can be.
Tap Into Your Home’s Value with Flexible Financing
We offer two primary ways to borrow against your home, depending on your financial goals and how you prefer to access your money.
Home Equity Line of Credit (HELOC)
A HELOC provides easy, ongoing access to your home's equity. It works much like a credit card, with a credit limit based on your home's value. You can withdraw the full amount at once or take out smaller amounts as needed. This is the best option for members who want access to funds over time, or who want to take advantage of falling interest rates without needing to refinance.
10-Year Draw Period: During the first five years, your payments reduce your balance, allowing you to withdraw that amount again if needed. You can choose to extend this draw period for another five years (with written approval from the credit union).
Up to 15-Year Repayment: Once your draw period ends, a structured repayment period begins, lasting up to 15 years from your last withdrawal.
Variable Rates: HELOCs feature an adjustable interest rate that changes yearly based on the WSJ Prime Rate, plus a margin assigned based on credit risk.
Fixed-Rate Home Equity Loans
If you know exactly how much money you need and prefer stability over variable rates, a traditional Home Equity Loan is the ideal choice.
Lump-Sum Funding: Receive all of your approved funds up front.
Predictable Payments: Enjoy a steady interest rate and a clear, fixed monthly cost.
Terms up to 15 Years: Lock in a manageable payment timeline that fits your budget.
Smart Ways to Use Your Home Equity
Members use their home equity for a variety of financial goals, but the two most common include:
Debt Consolidation: Use a lump-sum Home Equity Loan to combine high-interest credit cards and personal debts into a single, manageable payment with a clear monthly cost.
Home Improvements: Use a HELOC to fund ongoing renovations, repairs, or additions. Because you only pay for what you draw, it’s perfect for multi-stage projects with unpredictable costs.
Why Choose Frontier for Your Lending Needs?
When you borrow with Frontier, your loan stays local. Decisions are made right here in our community, meaning you get faster answers and personalized support from people who understand the Leavenworth market.
Beyond personalized service, borrowing with Frontier means you get access to modern financial tools. Easily manage your loan payments alongside your everyday spending with our convenient Card Services and our robust Online and Mobile Banking platform, available on both the Apple App Store and Google Play.
Who Can Join Frontier? (It’s Easier Than You Think)
Many people assume they can't join a credit union, but our field of membership is broad and welcoming. You are eligible to become a member of Frontier if you:
Live, work, worship, or belong to an organization in Leavenworth County (or any of our other highlighted Kansas counties).
Are active or retired military or Federal Civil Service personnel—a proud tradition for our community near Fort Leavenworth.
Are an immediate family member of a current Frontier member.
Making the move is simple. Once you're eligible, you can easily transition your direct deposits and automatic payments using our convenient Switch Kit.
Apply for Home Equity Loans in Leavenworth, KS
Ready to put your home’s value to work for you? Our local team is ready to help you find the perfect financing option for your goals.
Call our Leavenworth branch directly at (913) 651-6575 or visit our Member Service Contact Page to join Frontier and start your application today.