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Home Equity Loan Rates

06/30/2025

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 06/30/2025.

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.

APR (terminology)

APR = Annual Percentage Rate.