home equity
APPLY TODAY!

 

IMPORTANT: Due to high interest in this promotion, applications may take longer than average for processing.

*Actual Annual Percentage Rate (APR) is based on the value of an index and may vary according to overall credit history, total account relationship and payment method. Minimum loan amount $10,000. Maximum loan-to-value is 90%. No appraisal fee and no application fee. Other third party fees may apply ranging from $120 to $450. Offer begins July 15, 2016. One appraisal fee waived per applicant. The maximum Annual Percentage Rate that can be charged is 18%. The line has a variable rate feature and the Annual Percentage Rate and the minimum monthly payment can change as a result. See full disclosures for complete conditions and restrictions.

Home Equity Line of Credit

A home equity line of credit*** gives you the power to write yourself a loan whenever you need money. Need to pay for your child’s tuition bill for the semester? Just tap into your line of credit and write yourself a check. Need to pay for the costs of an ongoing home improvement project? Whenever those expenses hit, simply tap into your line of credit and write yourself a check. Some features of a Home Equity Line of Credit:

  • Borrow only as needed. Pay interest on the outstanding balance only.
  • Flexible repayment options.
  • Tax benefits.**

Home Equity Line of CreditLoan Disclosure

Borrow 90%
Prime + 0% APR (4.0% Floor)
Currently priced at 4.0% APR

Apply for: Home Equity Line of Credit


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Home Equity Loans

Turn to a fixed-rate home equity loan when you need a set amount of money for a specific project. Home Equity Loans are perfect for adding your dream kitchen, adding that patio or deck, or paying off debt.

  • Interest rate is fixed for the life of the loan.
  • You’ll pay a fixed payment every month, which includes principal and interest.
  • Allows possible tax benefits.**
  • Market-leading rates and online application.

SUBMIT A LOAN REQUEST

First Lien Home Equity LoansLoan Disclosure

Term Rate
10 years 3.59% APR Apply
15 years 4.19% APR Apply
20 years 4.69% APR Apply

2nd Mortgage Home Equity LoansLoan Disclosure

Term Rate
6 years 3.74% APR Apply
11 years 3.99% APR Apply
15 years 4.69% APR Apply
20 years 5.50% APR Apply

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(CALL FOR SPECIAL FIRST LIEN HOME EQUITY RATES – 800-593-1000, extension 2111)
Maximum 80% loan to value for First Lien Home Equity Loans.
Rates shown for 2nd Mortgage Home Equity Loans are 80% loan to value.

 


APR = Annual Percentage Rate
*Home Equity Loan: An APR of 5.50% would require a monthly payment of $6.88 per $1,000 borrowed. Payment example does not include amounts for taxes and insurance premiums; the actual payment obligation will be greater. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
**Consult your tax advisor regarding the deductibility of mortgage interest and charges.
***Home Equity Line of Credit: The Annual Percentage Rate is based on the value of an index and may vary according to overall credit history, total account relationship and payment method. The index is the highest Prime Rate published in The Wall Street Journal on the last business day of the month. To determine your Annual Percentage Rate applied to your line, we will add a margin to the value of the index. The maximum Annual Percentage Rate that can be charged is 18%. The line has a variable rate feature and the Annual Percentage Rate and the minimum monthly payment can change as a result. The rate can be adjusted monthly. You could pay certain fees to third parties to open a line. These fees generally total between $150 and $500. If you have an outstanding balance of $10,000, minimum monthly payment would be $100.00 at 1%. Minimum monthly payment amount is $75. Other terms and conditions apply based on the type of loan you establish. Conditions and restrictions may apply.