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Take advantage of our 4.99% auto loan rate just in time for the holidays

— now is the perfect time to buy a new car!

Home Equity Loans

Let the equity in your home work for you.

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Fixed Rate or Line Of Credit?

Which loan type will work for you?

FIXED RATE HOME EQUITY

A home equity fixed rate loan you receive the money you are borrowing in a lump sum payment and you usually have a fixed interest rate and fixed monthly payments for a set term.

HOME EQUITY LINE OF CREDIT

A home equity line of credit (HELOC), you have the ability to borrow or draw money multiple times from an available maximum amount, usually by check, mobile app services, or digital banking services. Unlike a home equity loan, HELOCs usually have adjustable interest rate, typically based off the Prime Rate.

Home Equity Rates

Home Equity Rates

DescriptionTermRatesAPRPayment per $1,000Maximum Loan Amount 
Home Equity Line of Credit7.250%7.250%
N/A$250,000Apply Now
Fixed Rate Home Equity Loans 16-20 years7.500%7.500%$8.06$250,000Apply Now
11-15 years7.250%7.250%$9.13$250,000Apply Now
6-10 years7.000%7.000%$11.61$250,000Apply Now
1-5 years6.500%6.500%$19.57$250,000Apply Now

Additional Home Equity Information

Variable Annual Percentage Rate for HELOC based on The Wall Street Journal Prime Rate (7.50% effective as of 12/18/2024) minus 0.50% as published on the last business day of each month.  Maximum APR 18.00% Minimum Floor Rate 3.50%

Maximum loan amount is $250,000.  Homeowners insurance is required. Flood insurance may be required. Loan-to-value not to exceed 80%. Not available for homes currently for sale or to be sold within 6 months of closing.

Older Asian couple smiling while reviewing plans for their home renovation.

Minor updates or major renovations ?

No more excuses and no more putting off that much needed house repairs.  The equity in your home can finance your home improvements and major life expenses.

  • Get prompt loan processing with convenient closing 
  • Two loan types are available. Home Equity Line of Credit or  Fixed Rate Home Equity. 
Group of architects observing home renovation plans.

Your dream home awaits

If you are looking to invest in your dream home or luxury property, refinance existing homes with a mortgage greater than $548,250, we have the capability to finance luxury residential real estate in certain communities.   

Apply Now      Rates       Contact Us

Membership eligibility requirements apply. Visit our membership page for more details.  

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