HELOC in DC Area with LTV of 95/5 or 90/10?

[Matt D.]

I want to get a HELOC on my primary residence and need at least 90/10 LTV to make it worthwhile. (95/5 would be even better but I'm not sure if that's realistic.)

I always hear people say to look at local credit unions for the best terms. I live on the Maryland side of DC.

Can anyone recommend a credit union in this area?

Also, are there good options outside this area that I should look at? I’m a member of both USAA and Navy Federal.

Thanks!