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We offer fixed rate home equity loans and variable rate home equity lines of credit. Whether you're looking to remodel, consolidate bills, add on a room, redecorate, install a pool, new heating/cooling, or need extra cash for college tuition, a vehicle purchase, medical expenses or vacation, your home's available equity could save you a lot of money in the long run. We can help you refinance your existing mortgage and save money. Ask one of our loan associates to help you determine the best term for your individual situation.
October 4, 2026
All rates are expressed as ANNUAL PERCENTAGE RATES. Rates are subject to change without notice. Loan rates as low as those listed below are effective.
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Enter the loan amount, interest rate, and the number of years for the term of the loan.
Click Calculate to determine your payment.
Members 1st provides this tool only for informational and forecasting purposes.
Members 1st is not bound to calculations presented or responsible for errors.
Home Equity Loan rates are for primary residences only (consult your loan officer for rental property rates). Your rate may vary from what is listed and will be determined by your individual credit profile and Loan to Value. All loans and rates are subject to credit approval.
Property Insurance: You must carry property insurance sufficient to cover the total of your Home Equity Loan or Home Equity Freedom Line of Credit and any other existing mortgage balances for the full term of your loan.
Home Equity Loans are available in Pennsylvania only.
Home Equity Freedom Lines of Credit are available in Pennsylvania, Maryland and New Jersey.
Third Party Fees associated with the Home Equity Freedom Line of Credit: You may have to pay certain fees to third parties. These fees may generally total up to $50,000. If you ask, we will give you an itemization of the fees you will have to pay to third parties. If the credit union is paying any closing costs on your behalf in connection with the opening your account—and your account is paid in full and closed within 36 months, you will be required to reimburse us all third-party fees paid on your behalf upon closing your account.
