Home Equity Loan Rates
04/30/2025
| 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%
Home Equity Loan
5 Year / $5,000
10 Year / $10,000
15 Year / $15,000
20 Year / $25,000
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 $3580.00, 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 04/30/2025.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. 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.