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Home Equity Loans

You can access up to 80% of the equity in your home and use the money for renovations or repairs, to pay off high-rate credit cards, or for some other worthwhile purpose.

Premium Home Equity Loan

Take advantage of our Premium Home Equity Loan featuring no points and no closing costs.

Rates effective as of 11/29/2024

Interest Rate Closing Fees Annual Percentage Rate (APR) # of Monthly Payments Monthly Payment per $1,000 Borrowed
2.125% $0.00 2.125% 144 $7.87

Monthly payment does not include an escrow payment for real estate taxes, homeowner’s insurance, private mortgage insurance or flood insurance. Your actual payment may be greater.


The Annual Percentage Rate (APR) is a fixed rate. APR based on $100,000 loan amount. All rates and APR’s are subject to change without notice. Get an official Loan Estimate. Consult your tax advisor about deductibility of interest and charges.

Recording fees to record a mortgage discharge, trustee certificate, or other items to clear title to be paid by the borrowers(s). If property is in a special flood hazard area, flood insurance will be required and will be escrowed. All applicants must be present to apply when applying at a branch. The Premium Home Equity Loan product will be the 1st & only lien on a property. There is an early termination fee of $300.00 if the loan is closed within the first 3 years. Loan-to-value: 70% LTV based on AVM / 80% LTV based on appraisal. Rate subject to change at any time. Loans are subject to credit approval and restrictions may apply. Offer is available to all qualified applicants.

Fixed Rate Home Equity Loan

A Home Equity Loan offers the piece-of-mind of having monthly principal and interest payments at a fixed rate.

Rates effective as of 11/29/2024

Product Interest Rate Closing Fees Annual Percentage Rate (APR) # of Monthly Payments Monthly Payment per $1,000 Borrowed
5 Year Fixed 4.125% $0.00 4.125% 60 $18.47
10 Year Fixed 4.375% $0.00 4.375% 120 $10.31
15 Year Fixed 4.625% $0.00 4.625% 180 $7.72
Monthly payment does not include an escrow payment for real estate taxes, hazard insurance or flood insurance. Your actual payment may be greater.

APR = Annual Percentage Rate.  All APR's based on $100,000. The interest rates and annual percentage rates (APRs) shown above are subject to change without notice. Get an official Loan Estimate. Consult your tax advisor about deductibility. Adequate homeowner's insurance coverage is required. If an appraisal is required for your request the cost will be between $350 to $400, depending on the state in which the property is located. 2-4 family owner occupied properties may exceed these amounts.

Need Help? We're here for you.

Contact our Consumer Loan Department to help you apply, learn more about rates or for any other personal lending needs. Contact Us. 

774-226-1917