Home Equity

Are you taking advantage of your home’s value?
Make the most of owning a home with a TCAFCU Home Equity Loan!

Your home holds so much financial potential. It’s time to explore what its equity can do for you. With a home equity loan, you can take care of a variety of expenses, from renovation projects to tuition costs.

Our Home Equity Loan sets itself apart by offering:

  • Flexible terms up to 240 months
  • Up to 90% LTV
  • Possible tax benefits (Please consult a tax advisor.)
Home Equity Loans 80% LTV
Home Equity Loans 80% LTV *APR as low as (Primary Residence) *APR as low as (Investment)
0 to 36 Months 5.00% 8.75%
37 to 72 Months 5.25% 9.00%
73 to 120 Months 5.75% 9.75%
121 to 180 Months 6.25% 10.00%
181 to 240 Months 6.75% N/A
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 240 months at a rate of 6.75% APR is a monthly payment of $76.03
Home Equity Loans 90% LTV
Term *APR as low as
0 to 36 Months 6.00%
37 to 72 Months 6.25%
73 to 120 Months 6.75%
121 to 180 Months 7.25%
181 – 240 Months 7.75%
APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 240 months at a rate of 7.75% APR is a monthly payment of $82.09

Home Equity Line of Credit

  • Variable rate line of credit
  • Ability to draw cash as needed
  • Possible tax benefits (Consult a tax advisor)
Home Equity Line of Credit
Home Equity Line of Credit *APR as low as (Primary Residence) *APR as low as (Investment)
Home Equity Line of Credit – 80% LTV 6.25% 7.25%
Home Equity Line of Credit – 90% LTV 7.25% NA
The Home Equity Line of Credit has a variable rate feature and the Annual Percentage Rate (APR) and the monthly minimum payment can change as a result. This variable rate is based on prime and can change quarterly. Your rate will not be less than 4% APR (floor rate) or greater than 18% APR (maximum allowed by law). The minimum monthly payment is $100.00.  Actual Annual Percentage Rate (APR) is based on an index and may vary according to creditworthiness, loan-to-value and terms of the loan.

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Need to get a payment here fast? We now accept payments by credit card!  For more information, contact a Lending Specialist at 610.326.3705, option 5