Home Equity Rates header banner

Home Equity Rates

Programs and rates are effective as of April 1, 2018 and subject to change without notice. Home Equity Loans and Lines of Credit are not available in all states. Rates, terms, and conditions may vary based on qualifications, creditworthiness, and collateral conditions.

Home Equity Line of Credit (HELOC) - 10 Year Draw, 10 Year Repayment Period

Home Equity Line of Credit
Combined Loan-to-Value
Annual Percentage Rate Loan Amount
6 Month Introductory Rate
2.99% $10,000 to $250,000
Up to 80% CLTV
Prime - .50% $10,000 to $250,000
80.01% - 90% CLTV Prime Rate $10,000 to $250,000
90.01% - 95% CLTV*
Prime +.50% $10,000 to $250,000

Home Equity Line of Credit: APR may vary after the introductory period. Maximum APR is 18.00%. Minimum APR Floor Rate is 4.00%. The rate is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and is subject to change quarterly. *Minimum 680 credit score required.

Home Equity Line of Credit (HELOC) - Interest Only

Combined Loan-to-Value Annual Percentage Rate Loan Amount
Up to 80% CLTV
Prime - .50% $10,000 to $250,000
80.01% - 90% CLTV Prime Rate $10,000 to $250,000
90.01% - 95% CLTV*
Prime +.50% $10,000 to $250,000

Home Equity Line of Credit: Maximum APR is 18.00%. Minimum APR Floor Rate is 4.00%. The rate is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and is subject to change quarterly. *Minimum 680 credit score required.

Fixed Rate Home Equity Loan

Loan Term Loan Amount Annual Percentage Rate
Up to 80% CLTV
Annual Percentage Rate
80.01-90% CLTV
Annual Percentage Rate
90.01- 95% CLTV*
5 years $10,000 to $250,000 3.50% 3.75% 4.00%
7 years $10,000 to $250,000 3.75% 4.00% 4.25%
10 years $10,000 to $250,000 4.25% 4.50% 4.75%
15 years $10,000 to $250,000 5.00% 5.25% 5.50%
20 years $10,000 to $250,000 5.25% 5.50% 5.75%

Home Equity Loan: Sample repayment terms: $256.93 for loan amount of $25,000 at 120 months with 4.25% annual percentage rate. *Minimum 680 credit score required.

10/30 Balloon Fixed Rate Home Equity Loan

Loan Term Loan Amount Annual Percentage Rate
Up to 80% CLTV
Annual Percentage Rate
80.01-90% CLTV
Annual Percentage Rate
90.01% - 95% CLTV*
10 years $10,000 to $250,000 5.25% 5.50% 5.75%

Home Equity Loan: Sample repayment terms: $256.93 for loan amount of $25,000 at 120 months with 4.25% annual percentage rate. *Minimum 680 credit score required.

Become a Member

Our Online Membership Application is fast, easy and secure! Establish membership with a one-time deposit of $5 to a Share Savings Account.

Find a Branch/ATM

Advanced Search

Important Legal Disclaimers and Information

HOME EQUITY LINE OF CREDIT DISCLOSURE