Home Equity Loan Rates | Allegent Community Federal Credit Union
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Home Equity Loan Rates

Rates may vary based on the term of the loan and the applicant’s credit history.

Rates effective 9/21/2022

Loans – Home Equity – First Lien Rate APR** Term
0-60 Months – First Lien 3.75 3.75 60
61-84 Months – First Lien 4.15 4.15 84
85-120 Months – First Lien 4.35 4.35 120
121-180 Months – First Lien 4.55 4.55 180
181-240 Months – First Lien 4.85 4.85 240

APR = Annual Percentage Rate


Loans – Home Equity – Second Lien Rate APR** Term
0-60 Months – Second Lien 3.95 3.95 60
61-84 Months – Second Lien 4.35 4.35 84
85-120 Months – Second Lien 4.55 4.55 120
121-180 Months – Second Lien 4.85 4.85 180
181-240 Months – Second Lien 5.05 5.05 240

APR = Annual Percentage Rate

Loans – Home Equity Line of Credit Rate APR** Term
Variable Rate (Standard) 5.50 5.50 120

APR = Annual Percentage Rate

Home equity line of credit (standard) interest rate is based on The Wall Street Journal prime rate. Rate is subject to change quarterly, on the 1st of January, April, July, & October. The rate will not be any greater than 18% (ceiling). The loan repayment is based on a 10-year term with a minimum payment of $100.00 per month. Terms and rates are subject to change as explained in the account agreement and disclosure. For tax deductibility of interest paid, please consult a tax advisor.

*To qualify for our “As Low As” Home Equity loan rate, you must have a credit score of 750 and above for a maximum term of 60 months. For a $25,000 loan with a 60 month term and 3.75% APR, the monthly principal and interest payment would be $457.61. Rate may vary depending on each individual’s credit history and underwriting factors. Additional rates and terms available up to 240 months. Subject to credit union underwriting standards. Programs, rates, terms, and conditions are subject to change without notice. Membership eligibility required. Federally insured by NCUA.

**Rates are shown “as low as” and are subject to credit worthiness and loan term.