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 |
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| 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 |
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| 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. |
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*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.
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