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Home Equity Loans

Home Equity Loans are available in Pennsylvania and Maryland only.

Apply for a Loan Now!

Why not put the equity in your home to work for you? Use your home's available equity for home improvements, debt consolidation, college tuition, car purchase and more.

Members 1st offers terms and rates* that are tailored to fit all budgets and we make repaying easy with no pre-payment penalties.
*Interest rates are based on creditworthiness and your homes loan-to-value.

Home Equity Freedom

With our Home Equity Freedom you'll never have to worry about rising interest rates again. You get the FREEDOM to lock in your interest rate and switch from a variable rate to a fixed rate on portions of what you borrow.

Borrow for home improvements, bill consolidation, college expenses, purchasing a car and more on terms that best suit your budget.

  • Option to lock in all or a portion of your line of credit as a fixed term loan (maximum of 3 fixed terms)
  • First rate lock is free
  • Pay no closing or application fees*
    *Except when applicable, Trust review cost for properties deeded in a Trust.
  • Available in Pennsylvania and Maryland only
  • For added convenience, you can take advantage of our online fixed rate lock-in feature.

Check Home Equity Freedom Rates

Home Equity Fixed Rate Loan

Your fixed rate loan rate may vary from what is advertised on our rate sheet as your interest rate will be based on your credit history and current credit report. With Member Loyalty Rewards, you could qualify for a discounted rate.

  • Borrow up to 100% of your home's equity
  • Up to 20-year terms
  • Low fixed rates.
  • Available in Pennsylvania and Maryland only

Do you offer any kind of Coverage to Protect my Credit?

Member Value Protection is an optional coverage you can elect to have when you apply for your loan. It gives you the peace of mind of knowing that your monthly loan payments will be cancelled in the event of death, disability or involuntary unemployment. Your consumer loan payment will be cancelled without penalty, added interest, or being reported as delinquent to the credit bureau. This program offers you several different options, giving you the flexibility to pick the package that's right for you. Each option has specific eligibility requirements and a different range of benefits.

For more detailed Lending Insurance information.

Check Out Our Mortgage Services

Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288. All products and services available on this website are available at all Members 1st branch locations.