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Home Equity Rates
Turn your home’s value into an affordable loan or line of credit.
HELOC Rates
Effective Date: Thursday, October 16, 2025
| Initial Rate (APR1,2) | Term | Variable Rate (APR1,2) |
|---|---|---|
| 5.99% | 12 Months | 6.99% |
No points or annual fee. Recording fee will be paid by applicant(s).
1Rate of interest is 5.99% per annum for first 12 months. After 12 months, Annual Percentage Rate (APR) is Variable based on the Prime Rate published in the Wall Street Journal at the beginning of the month (currently 7.25%), minus .51% for the life of the loan. APR will never fall below 3.00%, and maximum lifetime APR is 18%. 1- to 4-family owner-occupied properties only. Property insurance required. We will lend to 75% of an appraisal. Maximum CLTV on condos or townhouses and multi-families is 75%. No appraisal necessary if applicant borrows less than 50% of combined loan-to-value using city/town assessment. If appraisal is required applicant will pay the $450 – $650 appraisal fee. If you cancel the line of credit within the first 36 months, you must reimburse us for any closing costs we paid up to $500.
2APR=Annual Percentage Rate. Rates are accurate as of date indicated and are subject to change. Terms are dependent on amount financed. Rates shown above are for members with the best credit profile. Other rates are available, based on your credit score.
Home Equity Loan Rates
Effective Date: Thursday, October 16, 2025
| Term | Interest Rate | APR(as low as)* | Monthly payments per thousand |
|---|---|---|---|
| 5-Year | 6.875% | 6.875% | $19.74 |
| 7-Year | 7.000% | 7.000% | $15.09 |
| 10-Year | 7.125% | 7.125% | $11.68 |
| 15-Year | 7.250% | 7.250% | $9.13 |
No points or annual fee. Recording fee will be paid by applicant(s). We will lend to 75% CLTV of an appraisal. $450.00 – $650.00 appraisal fee for Home Equity Loans will be paid by applicant. If you cancel the loan within the first 36 months, you must reimburse us for any closing costs we paid up to $500. 1- to 4-family owner-occupied properties, townhouses, or condos only. Property insurance required. Maximum CLTV on condos or townhouses and multi-families is 75%. No appraisal necessary if applicant borrows less than 50% of combined loan-to-value using city/town assessment.
*APR=Annual Percentage Rate. Rates are accurate as of date indicated and are subject to change. Terms are dependent on amount financed. Rates shown above are for members with the best credit profile. Other rates are available based on your credit score.
