Home Equity


The equity in your home is one of your most valuable assets and we want to help you get the most from your investment. You have worked long and hard to pay for your home and it may be time to have your home work for you with a Home Equity Loan.

You can use the cash from a Home Equity Loan to do just about anything:

  • Educational Expenses

  • Debt Consolidation

  • Payoff Existing Mortgage

  • Home Improvements

  • Your Dream Vacation

  • Medical Bills

  • Business Startup

  • And much, much more!

Not only are the possibilities endless with a Home Equity Loan but you don't have to worry about "Junk" Fees! That means: No Origination Fees, No Processing Fees, No Underwriting Fees and No Administrative Fees.

Also, consult a tax advisor to see if your interest is tax deductible!

Home Equity Rates1 updated as of February 1, 2019

Loan Type Term in Years Fixed Rate APR*
10 5.19%
15 5.19%
20 5.19%

Home Equity 5-yr. Rates updated as of February 1, 2019

Loan Type Term in Years Fixed Rate APR*
5-Year Fast Payoff 5 3.00%2
5 3.50%3

Home Equity Loan Rates in 1st lien position4 updated as of February 1, 2019

Loan Type Term in Years Fixed Rate APR*
Home Equity Loan 10 3.50%
15 3.875%

1Home Equity: Maximum CLTV is 80% - 15 yrs. - 2nd lien position - 20 yrs. - 1st lien position.
2Must be in 1st lien position
3If 2nd lien position
4Maximum loan amount: 80% of the appraised value up to $350,000. Maximum debt ratio: 40%; minimum credit score: 680 and $10,000 of the loan amount must be new money to the credit union.
Some restrictions apply. Rates are subject to change without notice. All of our Real Estate loans have closing costs and they vary depending on the property, type of loan and loan amount. Contact the Real Estate Department if you have questions or for more details.