Home Equity Rates
You've invested time and money into your home. Now let its value support your financial need in the form of a loan or line of credit.
HELOC Rate
Effective Date: Monday, October 6, 2025
| Initial Rate (APR **) | Term | Then Prime Minus .51% *(APR**) |
|---|---|---|
| 5.99% For First 12 Months | 300 Months | 6.74% |
No points and no annual fee. Recording fee will be paid by applicant(s).
*The rate of interest is 5.99% per annum for the first 12 months. After 12 months the Annual Percentage Rate (APR) is variable and based upon the Prime Rate as most recently published in the Wall Street Journal at the beginning of the month (currently 7.25 %), minus .51% for the life of the loan, however the APR shall never fall below 3.00%. The maximum lifetime APR is 18%. 1-4 family owner occupied properties only. Property insurance required. We will lend to 75% of an appraisal. Maximum CLTV on condos or townhouses is 75% and multi families at 75%. No appraisal necessary if the applicant is borrowing less than 50% of the combined loan to value using the city/town assessment. If an appraisal is required the applicant will pay the cost of $450.00 - $650.00. If you cancel the line of credit anytime within the first 36 months, you will be required to reimburse us for any closing costs we paid but no more than $500.00.
**APR=Annual Percentage Rate. The rates are accurate as of the date indicated and are subject to change. Terms are dependent upon 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: Monday, October 6, 2025
| Interest Rate | APR(as low as)** | Payments per thousand per month | |
|---|---|---|---|
| 5 Year | 6.750% | 6.750% | $19.68 |
| 7 Year | 6.875% | 6.875% | $15.03 |
| 10 Year | 7.000% | 7.000% | $11.61 |
| 15 Year | 7.250% | 7.250% | $9.13 |
No Points and no Annual Fee. Recording fee wil be paid by applicant(s). We will lend to 75% CLTV of an appraisal. An appraisal for Home Equity Loans will be paid by the applicant in the amount of $450.00 – $650.00. If you cancel the loan anytime within the first 36 months, you will be required to reimburse us for any closing costs we paid but not more than $500.00. 1-4 family owner occupied properties, townhouses, or condos only. Property Insurance required. Maximum CLTV on condos or townhouses is 75% and 75% on multi families. No appraisal necessary if the applicant is borrowing less than 50% of the combined loan to value using the city/town assessment.
**APR=Annual Percentage Rate. The rates are accurate as of the date indicated and are subject to change. Terms are dependent upon amount financed. Rates shown above are for members with the best credit profile. Other rates are available, based on your credit score.