Personal Home Equity Rates

Rates effective 03/18/2026

Home Equity Loan
Type	Loan to Value	Term	APR as low as¹
APR = annual percentage rate and reflects the current minimum APR offered.
Type Fixed rate	Loan to Value Up to 80%	Term 60 months	APR as low as¹ 5.99%
Type Fixed rate	Loan to Value Up to 80%	Term 120 months	APR as low as¹ 6.75%
Type Fixed rate	Loan to Value Up to 80%	Term 180 months	APR as low as¹ 7.13%
Type Fixed rate	Loan to Value Greater than 80% up to 90%	Term 60 months	APR as low as¹ 6.99%
Type Fixed rate	Loan to Value Greater than 80% up to 90%	Term 120 months	APR as low as¹ 7.75%
Type Fixed rate	Loan to Value Greater than 80% up to 90%	Term 180 months	APR as low as¹ 8.13%

Energy Equity Loan
Type	Loan to Value	Term	APR as low as¹
APR = annual percentage rate and reflects the current minimum APR offered.
Type Fixed Rate	Loan to Value Up to 80%	Term 60 months	APR as low as¹ 5.74%
Type Fixed Rate	Loan to Value Up to 80%	Term 120 months	APR as low as¹ 6.13%
Type Fixed Rate	Loan to Value Up to 80%	Term 180 months	APR as low as¹ 6.75%
Type Fixed Rate	Loan to Value Greater than 80% up to 90%	Term 60 months	APR as low as¹ 6.74%
Type Fixed Rate	Loan to Value Greater than 80% up to 90%	Term 120 months	APR as low as¹ 7.13%
Type Fixed Rate	Loan to Value Greater than 80% up to 90%	Term 180 months	APR as low as¹ 7.75%

Home Equity Line of Credit
Type	Loan to Value	APR as low as²
APR = annual percentage rate and reflects the current minimum APR offered.
Type Monthly adjustable rate	Loan to Value Up to 80%	APR as low as² 6.25
Type Monthly adjustable rate	Loan to Value Greater than 80% up to 90%	APR as low as² 7.75

MyChoice Mortgage
Term	APR as low as
APR = annual percentage rate and reflects the current minimum APR offered. MyChoice Mortgage maximum Loan To Value 85% or less.
Term 1 to 6 years	APR as low as 5.00%
Term 7 years	APR as low as 5.13%
Term 8 years	APR as low as 5.25%
Term 9 years	APR as low as 5.38%
Term 10 years	APR as low as 5.50%

Disclosures

1.: APR = annual percentage rate may be adjusted based on individual credit standing and term. Payment Example: $25,000 loan for 60 months at 5.99% APR will have a monthly payment of $482.25.
2.: A home equity line of credit is a variable rate loan that may adjust monthly. Rates are as low as 4.50% APR as a floor and a maximum APR of 18.00%. APR may be adjusted based on individual credit standing and term. Members can borrow against the available line of credit for a period of 15 years, after which time the existing balance must be paid in full by making a monthly principal and interest payment in a new 15-year repayment period. Closing costs range from $130 to $1,500 to cover the appraisal fee and title update fee. A late fee of 5% of the payment may be charged for a payment more than 15 days late.