Home Equity Loan Rates
07/23/2025
| Term or Minimum Loan Amount | Rate | APR (Minimum) | APR (Maximum) | Payment | ||
|---|---|---|---|---|---|---|
| Home Equity Line of Credit | ||||||
| LTV Up To 95% | - | 7.74% | 14.49% | - | ||
| Home Equity Loan | ||||||
| 5 Year / $5,000 | 6.99% - 13.49% | 7.32% | 13.85% | $989.82 - $1,150.23 | ||
| 10 Year / $10,000 | 7.24% - 14.74% | 7.42% | 14.95% | $586.75 - $798.73 | ||
| 15 Year / $15,000 | 7.49% - 14.74% | 7.62% | 14.90% | $463.22 - $690.91 | ||
| 20 Year / $25,000 | 7.74% - 15.99% | 7.85% | 16.14% | $410.17 - $695.25 | ||
Home Equity Line of Credit
LTV Up To 95%
Rate -
Apr min 7.74%
Apr max 14.49%
Payment -
Home Equity Loan
5 Year / $5,000
Rate 6.99% - 13.49%
Apr min 7.32%
Apr max 13.85%
Payment $989.82 - $1,150.23
10 Year / $10,000
Rate 7.24% - 14.74%
Apr min 7.42%
Apr max 14.95%
Payment $586.75 - $798.73
15 Year / $15,000
Rate 7.49% - 14.74%
Apr min 7.62%
Apr max 14.90%
Payment $463.22 - $690.91
20 Year / $25,000
Rate 7.74% - 15.99%
Apr min 7.85%
Apr max 16.14%
Payment $410.17 - $695.25
1 Home Equity Line of Credit
Rate is based on Wall Street Journal Prime Rate plus a margin. Maximum APR is 18.00%. Floor APR is 3.00%. Closing costs range from $399.00 to $3645.00, depending on loan amount, loan position, and appraisal costs. Rates and terms are subject to change without notice. 10 Year Draw/ 20 Year Repayment Period. Minimum $5,000 amount. Maximum Combined Loan to Value CLTV (Up to 95%) is subject to collateral & credit qualifications. Property insurance required. Rate range is accurate as of 07/23/2025.VT Home Equity Line of Credit - VT
V = Variable Rates. T = Tiered Rates based on credit qualifications.
2 Home Equity Loans
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. Payment Examples: 5-Year – 60 Monthly Payment, 10 Year – 120 Monthly Payments, 15 Year – 180 Monthly Payments, 20 Year – 240 Monthly Payments. 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.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.