Home Equity

Fixed Home Equity Loan

Looking to remodel your home? Consolidate debt? Home equity loans provide predictable monthly payments with rates that are typically lower than other types of consumer loans. Plus, the interest you pay may be tax deductible.1 Your fixed rate won't change for the selected term.

  • No closing costs!
  • Low competitive rates2
  • Borrow a minimum of $10,000.00 to $300,000.00
  • Terms from 60 months up to 180 months
  • Borrow up to 90% of your home's value3
  • Home Equity Line of Credit also available
Complete the form below if you have questions or would like to get started.

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) provides long-term access to funds. You simply write a check up to your available limit at any time, without the hassle of reapplying each time you need additional money. As you pay off the balance, more becomes available for you to use again.

  • Credit lines from $10,000.00 to $300,000.00
  • Convenient draw and repayment terms 
  • Variable Rate Line of Credit is available at 90% Loan-to-Value (LTV).4
Complete the form below if you have questions or would like to get started.

Rates

Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
APY*
Fixed Home Equity
Min/Max Borrowed
$10,000 - $300,000
Max Repayment Term
Up to 180 months
APR* as low as
5.99%
Fixed Home Equity
Min Balance to Earn
APY*
5.99%
HELOC
Min/Max Borrowed
$10,000 - $300,000
Max Repayment Term
20 years (5-year draw + 15 year repayment)
APR* as low as
Prime+
HELOC
Min Balance to Earn
APY*
Prime+
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Disclosures

*APR = Annual Percentage Rate.

1Consult a tax advisor.

2Rates will vary based on creditworthiness, the loan-to-value ratio on your owner-occupied primary home, and the term. Home equity loans available for primary residences only and there is a minimum of $10,000. EdiFi refinance required to add a minimum of $10,000 new cash. The maximum LTV is 90% and the maximum term is 15 years. Rates and terms are subject to change at any time without notice. Title insurance and/or a full appraisal at the borrower’s expense will be required in some situations.

3To calculate your LTV, divide the mortgage loan amount by the fair market value of the home. For example, a mortgage loan of $150,000 on a home that is appraised at $200,000 has an LTV of 75%. To estimate how much equity you will be eligible for, calculate the appraised value of the home x .90% and subtract the outstanding mortgage balances (first and/or second mortgages). For example, $200,000 x .90% = $180,000 minus outstanding balances ($155,000) = $25,000. Property insurance is required, including flood insurance where applicable.

4Annual Percentage Rate of this loan is based on Prime. The Prime Rate is a variable rate published daily by the Wall Street Journal. HELOCs have a 20-year term with a 5-year draw period and 15-year repayment. The maximum APR is 17%. There are no closing costs, however third-party fees may apply depending on your individual situation. Contact us for details. Property insurance is required, including flood insurance where applicable. Potential line of credit must be a minimum of $10,000 new cash; minimum monthly payment amount for a credit line balance is $100. Consult a tax advisor for deductibility of interest.