Home Equity Loan Rates

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.

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  • 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.

Friday, April 28, 2017

   Home Equity Loan Up to 80% Equity *

Term Loan Amount >= $25,000
APR
Loan Amount < $25,000
APR
 12 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 24 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 36 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 48 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 60 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 84 Months 4.25%   Estimate Payment 4.25%   Estimate Payment
 120 Months 4.25%   Estimate Payment 4.25%   Estimate Payment
 180 Months 5.49%   Estimate Payment 5.49%   Estimate Payment
 240 Months 6.49%   Estimate Payment 6.99%   Estimate Payment

   Home Equity Loan Up to 100% Equity *

Term APR  
 12 Months 5.24% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 12 month term at 5.24% APR, the sample estimated monthly payment may be $2142.94.
 24 Months 5.24% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 24 month term at 5.24% APR, the sample estimated monthly payment may be $1099.47.
 36 Months 5.24% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 36 month term at 5.24% APR, the sample estimated monthly payment may be $751.97.
 48 Months 5.24% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 48 month term at 5.24% APR, the sample estimated monthly payment may be $578.45.
 60 Months 5.24% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 60 month term at 5.24% APR, the sample estimated monthly payment may be $474.53.
 84 Months 5.75% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 84 month term at 5.75% APR, the sample estimated monthly payment may be $362.23.
 120 Months 5.75% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 120 month term at 5.75% APR, the sample estimated monthly payment may be $274.42.
 180 Months 6.99% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 180 month term at 6.99% APR, the sample estimated monthly payment may be $224.57.
 240 Months 8.49% Estimate Payment
For example a $25,000 Home Equity Loan Up to 100% Equity * loan with a 240 month term at 8.49% APR, the sample estimated monthly payment may be $216.8.

   Land Loan Up to 80% Equity

Term Loan Amount >= $25,000
APR
Loan Amount < $25,000
APR
 12 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 24 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 36 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 48 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 60 Months 3.74%   Estimate Payment 3.74%   Estimate Payment
 84 Months 4.25%   Estimate Payment 4.25%   Estimate Payment
 120 Months 4.25%   Estimate Payment 4.25%   Estimate Payment
 144 Months 5.49%   Estimate Payment 5.49%   Estimate Payment

   Land Loan Up to 90% Equity

Term APR  
 12 Months 4.74% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 12 month term at 4.74% APR, the sample estimated monthly payment may be $2137.21.
 24 Months 4.74% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 24 month term at 4.74% APR, the sample estimated monthly payment may be $1093.88.
 36 Months 4.74% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 36 month term at 4.74% APR, the sample estimated monthly payment may be $746.36.
 48 Months 4.74% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 48 month term at 4.74% APR, the sample estimated monthly payment may be $572.79.
 60 Months 4.74% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 60 month term at 4.74% APR, the sample estimated monthly payment may be $468.81.
 84 Months 5.25% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 84 month term at 5.25% APR, the sample estimated monthly payment may be $356.29.
 120 Months 5.25% Estimate Payment
For example a $25,000 Land Loan Up to 90% Equity loan with a 120 month term at 5.25% APR, the sample estimated monthly payment may be $268.23.

   Home Equity Line of Credit (HELOC)

Annual Percentage RateDaily Periodic Rate
 4.00% .010959
Estimate Payment
The Interest Only Home Equity Line of Credit (HELOC) permits borrowing up to 100% of the available equity in a primary residence (excludes rental properties. During the five(5) year draw period the member will have the flexibility to make the minimum interest only payment each month or adding any principal amount they desire. All Interest Only HELOC's will have a due date of the 20th of the month. The variable rate is adjusted monthly. The rate is the highest Prime Rate published in The Wall Street Journal as of the last business day of the previous month plus a margin. The floor rate is 3.00%. Your rate may vary from what is listed and will be determined by your individual credit profile and Loan To Value. APR listed is based on 80% Loan to Value and "A+" Credit.

* Home Equity Loan rates are for primary residences only (consult your loan officer for rental property rates). Your rate my vary from what is listed and will be determined by your individual credit profile and Loan to Value.

All rates reflect a .20% reduction for Payroll Deduction/Direct Deposit/Auto Transfer.

Certificate Special Offer

APY*

Home Equity Loan

APR*

VISA Balance Transfer

APR*

*APR=Annual Percentage Rate   **APY=Annual Percentage Yield