Skip to navigation Skip to main content

Home Equity Rates

Home Equity Line of Credit | 03-01-2024

Combined Loan-to-Value1 Term Annual Percentage Rate2
Up to 95% 10 Year Draw Period/15 Year Repayment Period 8.74% - 14.99%TV
Apply Online

Minimum $5,000 amount. Maximum CLTV subject to collateral & credit qualifications

Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.75% or greater than 18.00%. Closing costs (if applicable) range from $399 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit.

V = Variable Rates. T = Tiered Rates based on credit qualifications.

Fees: No annual fee, $399 closing fee for loan amounts less than or equal to $100,000; $399 closing fee + all third party costs including but not limited to title, notary and recording fees for loan amounts greater than $100,000. Appraisal may be required at an additional cost.

Rates and terms are effective as of the above date and are subject to change without notice.

Home Equity Loan | 03-01-2024

Term Rate Minimum Loan Amount APR* Payment*
5 Year 7.24% - 13.74% $5,000 7.58% - 14.10% $995.73 - $1,156.68
10 Year 7.49% - 14.99% $10,000 7.67% - 15.20% $593.25 - $806.37
15 Year 7.74% - 14.99% $15,000 7.87% - 15.15% $470.35 - $699.45
20 Year 7.99% - 16.24% $25,000 8.10% - 16.39% $417.91 - $704.65
Apply Online

*Annual Percentage Rates (APRs) are calculated based on a loan amount of $50,000, Combined Loan to Value (CLTV) of up to 80% and a $399 loan fee.  Maximum CLTV subject to collateral and credit qualifications; tiered rates are based on credit qualifications and CLTV. Loan applications are subject to credit and property approval.  Representative payments shown include only Principal and Interest.  Appraisal may be required at an additional cost. Property insurance required; flood insurance may be required.  Maximum loan limits apply.  Other rates and terms are available for Investment Property or Manufactured Home Equity Loans.

Collateral: Single Family Residence (Primary Residence, up to 95% CLTV).

Rates and terms are effective as of the above date and are subject to change without notice.