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Home Equity Rates

Transform your home.

Low rates let you do more.
Flexible options include interest-only payments.

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Home Equity Rates

Home Equity Loans offer convenient, low-cost financing for home improvements. A Home Equity Line of Credit (HELOC) can be used to finance virtually anything, from home projects to travel and more. It can also help you save money by refinancing or consolidating higher-rate loans.

Home Equity Line of Credit

Type APR as Low as1
Flex-Line HELOC – 80% loan-to-value 5.25%
Flex-Line HELOC – 90% loan-to-value 6.75%
1APR = Annual Percentage Rate.
Rates effective as of August 1, 2022.
HELOC rates are variable and subject to change monthly. The maximum APR is 18%.
Closing costs can range from $50 - $3,000. Closing costs waived up to $300 (excluding appraisal if required); not applicable on internal refinances within 12 months of original opening date.
Interest-only payments only available for loans approved at 80% LTV.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.
Membership with a $5 Share Account required.

Home Improvement Loan

Term APR as Low as1 Payment per $1,000
48 Month Term 6.99% $23.94
60 Month Term 8.99% $20.75
72 Month Term 10.99% $19.03
1APR = Annual Percentage Rate. Rates effective as of January 1, 2022 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.
Loan is not secured by a dwelling.
Membership with a $5 Share Account required.