Home Improvement Season: Affordable Financing Options for Your Spring Projects

Spring has arrived in central Wisconsin, and with the warmer temperatures comes the perfect opportunity to tackle those home improvement projects you've been dreaming about all winter. Whether you're planning essential maintenance or looking to enhance your living space, Public Service Credit Union offers affordable financing solutions to help you make your home improvement goals a reality.

Popular Spring Home Improvement Projects for 2025

As we move further into spring, homeowners across Wausau and central Wisconsin are focusing on projects that balance affordability with impact. Here are some trending home improvement ideas that won't break the bank:

Outdoor Space Enhancements

Upgrading your porch, patio, or deck ranks among the most popular spring home improvement projects this year. These enhancements not only create additional living space but also increase your home's value while providing a perfect setting for summer gatherings.

Landscaping Refresh

Basic landscaping projects like adding plants to existing landscapes, trimming shrubs, and mulching flower beds can be budget-friendly DIY tasks that transform your home's curb appeal. Now is the ideal time to prepare your yard for the growing season ahead.

Energy-Efficient Window Upgrades

Spring is an excellent time to repair or replace windows that may have been damaged during winter. Energy-efficient windows not only enhance your home's appearance but can also help reduce summer cooling costs.

“No matter which home improvement projects you choose to tackle this spring, Public Service Credit Union offers several financing options to help make your plans affordable”

Essential Maintenance

Spring is the perfect season to clean gutters, care for trees, and address any winter damage before the summer rainy season. These maintenance tasks are relatively low-cost but crucial for preventing more expensive repairs down the road.

Interior Upgrades

Budget-friendly interior projects like adding a shiplap accent wall can cost $50 or less while dramatically transforming a space. Other affordable indoor projects include updating cabinet hardware, replacing light fixtures, or refreshing a room with paint.

Smart Financing Options from Public Service Credit Union

No matter which home improvement projects you choose to tackle this spring, Public Service Credit Union offers several financing options to help make your plans affordable:

Home Equity Loans

Our Home Equity Loans are perfect for larger renovation projects that require a lump sum payment. With our maximum 80% loan-to-value ratio, competitive rates, and approval typically within 24 hours with a complete application, you can quickly access the funds needed for your project while using your home's equity wisely.

Personal Loans

For smaller to medium-sized projects, our Personal Loans offer flexible financing without requiring home equity. These loans feature:

  • Quick approval (typically within 24 hours with complete application)

  • Competitive interest rates

  • Simple application process

  • Flexible repayment terms

Kwik Cash Line of Credit

For ongoing projects or unexpected home repair needs, our Kwik Cash line of credit provides:

  • Interest rates approximately half of typical credit card rates

  • Easy access to funds through online/mobile banking

  • Flexible financing for everyday spending and projects

Planning Your Spring Home Improvement Project

Before diving into any home improvement project, consider these tips:

  1. Prioritize needs over wants: Focus first on maintenance projects that prevent further damage or improve energy efficiency.

  2. Get multiple quotes: Research contractors thoroughly and compare at least three estimates before making a decision.

  3. Create a realistic budget: Add a 20% cushion to your estimated project cost to account for unexpected expenses.

  4. Consider long-term value: Prioritize projects that not only improve your quality of life but also add to your home's value.

  5. Consult with a financial expert: Our team can help you determine which financing option best suits your specific project needs and financial situation.

Free Financial Counseling

As a member of Public Service Credit Union, you have access to free consultations with our Certified Credit Union Financial Counselor (CCUFC). They can help you:

  • Create a budget for your home improvement projects

  • Understand how different financing options impact your overall financial health

  • Develop a strategy to maximize your home's equity

Take the Next Step

Ready to transform your home this spring? Contact our team to discuss your home improvement financing options:

Visit our website at publicservicecu.org/rates for current rates on all our loan products.

Public Service Credit Union is federally insured by the National Credit Union Administration (NCUA). Home Equity Loans require property insurance. All loans subject to credit approval.

Mortgages, Personal FinanceKyle Turner