Home Equity Loans

Get the most from your home with a Home Equity Loan or Line of Credit. Tackle those home improvement projects, consolidate debt, go back to school or cover any unexpected expense. Plus, with rates up to 12% lower than the national average, you'll save while doing so.

Home Equity Line of Credit

Get greater flexibility with easy access to funds on an ongoing basis. Qualify today and enjoy these other awesome benefits:

  • Introductory rate of 1.90% APR for the first 6 months
  • Variable rates as low as WSJ Prime Rate APR after the introductory period
  • Borrow up to 95% of your home’s value
  • Interest-only payments during the draw period
  • Minimum draw amount of $10,000
  • Credit Lines $25,000 - $350,000

Home Equity Loan

Get a one-time lump sum of cash to use any way you like. Enjoy a fixed rate loan with a 15-year repayment period. Check out these other great benefits:

  • Rates as low as 4.50% APR
  • Borrow up to 95% of your home’s value
  • A one-time payout to get your money up front
  • Loan amounts $25,000 - $350,000

Table data for Home Equity Lines of Credit - Variable Rate
 Rates Effective 07-23-2018
Line Amount APR Maximum Loan to Value Alert Me
$25,000 - $350,000 As low as WSJ Prime 95% Apply
*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. The minimum APR is 4.00% with a maximum APR of 18.00%. 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.

Table data for Home Equity Loans (Owner Occupied) Rates
 Rates Effective 07-23-2018
Term APR (as low as) Mimimun Loan Amount Monthly Payment Per Every $1,000 Borrowed Maximum Loan to Value Alert Me
84 months 4.50% $25,000 $13.91 95% Apply Receive a notification when this rate changes
120 months 4.75% $25,000 $10.49 95% Apply Receive a notification when this rate changes
144 months 5.00% $25,000 $9.26 95% Apply Receive a notification when this rate changes
180 months 5.25% $25,000 $8.05 95% Apply Receive a notification when this rate changes
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.

Save

Death and disability are unpredictable and could happen to anyone, at any age. Payment Protection¹ can help safeguard your investment by covering your loan if you or your co-borrower are unable to make payments. Adding Payment Protection to your loan can:

  • Eliminate all or part of your remaining loan balance
  • Protect your credit rating as loan payment obligations are made on your behalf
  • Create financial secruity for your family
  • Free-up extra cash when it's most needed

Ask your member service representative about this valuable benefit when you apply for your loan!

¹Payment Protection may be available for personal credit cards, auto loans, personal consumer loans, and home equity loans.  

Your purchase of Payment Protection is optional.  Whether or not you purchase Payment Protection will not affect your application for credit or the terms of any existing credit card agreement you have with the financial institution.  There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Payment Protection.  You should carefully read the contract for a full explanation of the terms.