Personal Home Equity Rates

Rates effective 12/14/2024
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

7.125%

Type

Fixed rate

Loan to Value

Up to 80%

Term

180 months

APR as low as1

7.49%

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

8.125%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

180 months

APR as low as1

8.49%

Learn more
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

6.50%

Type

Fixed Rate

Loan to Value

Up to 80%

Term

180 months

APR as low as1

7.00%

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

7.50%

Type

Fixed Rate

Loan to Value

Greater than 80% up to 90%

Term

180 months

APR as low as1

8.00%

Learn more
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

7.25%

Type

Monthly adjustable rate

Loan to Value

Greater than 80% up to 90%

APR as low as2

8.75%

Learn more
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 8 years

APR as low as

5.875%

Term

9 years

APR as low as

6%

Term

10 years

APR as low as

6.125%

Learn more

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.