Home improvement is life improvement.

Give your home the before-and-after photos it deserves.

Add value to your most important investment with a flexible, no-fee home improvement loan.

Deere Employees Credit Union offers top market rates for add-on mortgages and home equity lines of credit up to 95% of your home’s current value. With our quick and easy process and same-day funding, your remodeling project, partial extension or new roof is just a click away from being shovel-ready.

Rates vary according to flexible loan term, credit score, debt to income ratio, and type of loan. Talk to your DECU representative for information to help you make your best choice. Or, get the ball rolling with a no-fee application via our Online Loan Center.

Home Improvement Loan Features

  • Easy online application process
  • Same day funding
  • No application fee
  • Prerequisites :
    • Up to $7,500 : 650 credit score and 50% debt to income ratio    
    • Over $7,500 : 700 credit score and 40% debt to income ratio
  • Flexible terms up to 180 months for loans $7,501-$25,000

Recommended Reading

How to Save and Manage Money as a College Student

As a recent college graduate, I’ve learned countless ways to save and manage my money over the four years. For most, college is a great learning experience where students have very little income and lots of expenses all while having to build their financial foundation. There is no better time to practice good money habits than during this exciting and formative period in life.

How to Pay Off Debt Faster with These 3 Refinancing Strategies

Many homeowners don’t know they have an option to refinance their mortgage or a loan to pay off debt faster. Even if a mortgage term has been agreed upon and signed, homeowners can opt for changes before the contract is completed. Many are taking advantage of these three refinancing strategies to pay off their debts faster.

5 Important Money Management Lessons for Single Parents

As a single parent, you’re probably familiar with the dual challenges of managing a household and planning for the future on your own. But are you as familiar with the financial strategies that can stretch your income and help you get ahead? Consider the following lessons to help improve your family’s bottom line. Lesson #1: […]

FICO® Score vs. Credit Score. What is a FICO Score?

We all know a credit score is essential when it comes to applying for a credit card, an auto loan, or a mortgage. When a company or a lender checks your credit report, they may be getting it from one or more of the three major agencies – Equifax, Experian, or TransUnion. In addition to […]