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Andrews Federal Credit Union
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Home Equity Loans and Lines Rates

You worked hard for your home, now let it work for you.

All your efforts as a homeowner are about to pay off.

You work hard to pay down your mortgage and build up your home's value. When your house is worth more than what you still owe on it, that gives us confidence you'll be able to repay what you borrow. And that allows us to set home equity rates low enough that you can definitely afford to build, buy, or do all sorts of things that can make your life better.

Lower rates help you accomplish greater things.

Home Equity Lines of Credit - Variable Rate

Line Amount APR* Maximum Loan to Value
$25,000 - $350,000 As low as WSJ Prime 95%

*Upon expiration of the introductory rate, all balances will accrue interest at the variable APR (Annual Percentage Rate) in effect for your account. Variable rate is based on The Wall Street Journal Prime Rate plus a margin, adjusted quarterly. Subject to credit and property approval. Minimum loan amount is $25,000. Maximum loan amount will be based on the amount of equity available, based on the appraised value of your home. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Property insurance is, and flood insurance may be, required. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. Rates and APRs are subject to change without notice. 

Home Equity Loans (Owner Occupied) Rates

Term APR* (as low as) Minimum Loan Amount Monthly Payment Per Every $1000 Borrowed Maximum Loan to Value
84 months 4.50% $25,000 $13.91 95%
120 months 4.75% $25,000 $10.49 95%
144 months 5.00% $25,000 $9.26 95%
180 months 5.25% $25,000 $8.05 95%

Additional rates and terms are available; rates, terms and conditions may vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Maximum loan amount will be based on the amount of equity available, based on the appraised value of the property. Appraisal is required – fee is paid upfront and is non-refundable. Closing costs vary and will depend on the location of the property and the amount of the loan. Property insurance is, and flood insurance may be, required. Consult your tax advisor regarding the deductibility of interest. Additional restrictions may apply. Payment examples do not include taxes or insurance premiums, your actual payment may be higher. Escrow account may be required. Rates and APRs are subject to change without notice.

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Andrews Federal members received over $23 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.

Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany.