Home Equity

 

A patio in the back yard, new kitchen countertops, a basement remodel – these are things that make your house feel more like a home.  Make the updates you’ve been dreaming of with a home equity loan or home equity line of credit.   Start making memories in a home tailored to fit your lifestyle!

Home Equity Loans

  • Fixed Rate Terms up to 180 months
  • Can be used for many purposes
  • Possible tax benefits – (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 3.50% 6.00%
37 to 72 Months 3.75% 6.25%
73 to 120 Months 4.50% 7.00%
121 to 180 Months 5.00% 7.25%
*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 180 months at a rate of 5.00% APR is a monthly payment of $79.08.
Home Equity Loans 90% LTV
Term *APR as low as
0 to 36 Months 4.50%
37 to 72 Months 4.75%
73 to 120 Months 5.50%
121 to 180 Months 6.00%
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 180 months at a rate of 6.00% APR is a monthly payment of $84.39.

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 4.25% 5.25%
Home Equity Line of Credit – 90% LTV 5.25% 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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