Home Equity Loans

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Home Equity Loan

Imagine the Possibilities

Home Equity Loan

Use your home’s equity to fund a variety of expenses, kickstart a DIY project, transform an outdated space or consolidate debt. 

  • Competitive rates for several short-term or one-time needs:
  • Competitive interest rates
  • Interest paid may be tax-deductible*
  • A choice of rates and terms: Fixed rate, up to 10-year term, or variable rates, up to 15-year term
  • Free financial calculators

NEW HOME EQUITY LOAN APPLICATION INSTRUCTIONS:

As part of the recent merger with America First CU, our members now have even more access to some of the finest lending resources available. In order to help you choose the best lending option to fit your individual needs, please click below to begin your new loan application or visit your nearest branch to meet with a representative.

Getting Started is Easy 

*The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. All credit union loan programs, rates, terms, and conditions are subject to change at anytime without notice.Consult your tax advisor about the deductibility of interest.

We are an Equal Housing Lender, and do business in accordance with the Federal Housing Law and the Equal Credit Opportunity Act. NMLS 401704.

Rates

Home Equity Loan Rates

ProductTermAPR*
65% Home Equity Non-Owner 10 Years 5.74% Fixed
65% Home Equity Non-Owner 15 Years 5.24% Variable
80% Home Equity Non-Owner 10 Years 5.88% Fixed
80% Home Equity Non-Owner 15 Years 5.74% Variable
Home Equity Loan 100% LTV 10 Years 6.99% Variable
Home Equity Loan 100% LTV 10 Years 7.49% Fixed
Home Equity Loan 100% LTV 15 Years 8.49% Variable
Home Equity Loan 90% LTV 5 Years 5.49% Variable
Home Equity Loan 90% LTV 5 Years 5.99% Fixed
Home Equity Loan 90% LTV 10 Years 6.24% Variable
Home Equity Loan 90% LTV 10 Years 6.74% Fixed
Home Equity Loan 90% LTV 15 Years 7.24% Variable
No Closing Costs Home Equity Loan 80% LTV 5 Years 3.99% Variable
No Closing Costs Home Equity Loan 80% LTV 5 Years 4.49% Fixed
No Closing Costs Home Equity Loan 80% LTV 10 Years 4.74% Variable
No Closing Costs Home Equity Loan 80% LTV 10 Years 5.24% Fixed
No Closing Costs Home Equity Loan 80% LTV 15 Years 5.74% Variable
No Closing Costs Home Equity Loan 80% LTV Balloon 20/5 Years 7.74% Fixed

* Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months. Rates and terms are accurate as of May 1, 2018 and are subject to change.

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