Personal Home Equity Rates

Home Equity Loan 1

Type

Loan to Value

Term

APR as low as

APR = annual percentage rate, effective as of 09/28/2022 and reflects the current minimum APR offered.

Type

Fixed rate

Loan to Value

Up to 80%

Term

60 months

APR as low as

4.24%

Type

Fixed rate

Loan to Value

Up to 80%

Term

120 months

APR as low as

5.25%

Type

Fixed rate

Loan to Value

Up to 80%

Term

180 months

APR as low as

5.74%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

60 months

APR as low as

5.24%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

120 months

APR as low as

6.25%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

180 months

APR as low as

6.74%

Learn More

 

 

 

Energy Equity Loan 1

Type

Loan to Value

Term

APR as low as

APR = annual percentage rate, effective as of 11/01/2022 and reflects the current minimum APR offered.

Type

Fixed rate

Loan to Value

Up to 80%

Term

60 months

APR as low as

3.49%

Type

Fixed rate

Loan to Value

Up to 80%

Term

120 months

APR as low as

4.50%

Type

Fixed rate

Loan to Value

Up to 80%

Term

180 months

APR as low as

4.99%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

60 months

APR as low as

4.49%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

120 months

APR as low as

5.50%

Type

Fixed rate

Loan to Value

Greater than 80% up to 90%

Term

180 months

APR as low as

5.99%

Learn More

 

 

 

Home Equity Line of Credit 2

Type

Loan to Value

APR as low as

APR = annual percentage rate, effective as of 09/22/2022 and reflects the current minimum APR offered.

Type

Monthly adjustable rate

Loan to Value

Up to 80%

APR as low as

5.75%

Type

Monthly adjustable rate

Loan to Value

Greater than 80% up to 90%

APR as low as

7.25%

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 3.24% APR will have a monthly payment of $451.89.
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 $900 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.