Home Equity Rates

Rates are current as of 07-22-2019. Rates, terms, and conditions are subject to change.

Table data for Home Equity Loans
 07-22-2019
Term Loan to Value1 1st Lien Position - APR (as low as)2 2nd Lien Position - APR (as low as)2 Alert Me
5 Years up to 80% 3.24% 3.99%
up to 90% 3.99% 4.99%
10 Years up to 80% 3.49% 4.49%
up to 90% 4.24% 5.99%
15 Years up to 80% 3.99% 4.99%
up to 90% 4.49% 6.24%
20 Years up to 80% 4.24% 5.49%
up to 90% 4.74% 6.49%
  • 11st Lien Position: Maximum LTV for loan amounts up to $300,000 is up to 90%. The Maximum LTV for any loan amounts over $300,000 and up to $500,000 is 80%. 2nd Lien Position: Maximum LTV for loan amounts up to $100,000 is up to 90%. The Maximum LTV for any loan amounts over $100,000 and up to $250,000 is 80%.↵
  • 2APR denotes Annual Percentage Rate. All APR calculations on Home Equity Loans are based on a $20,000 loan amount. The rates for this loan type are based on an evaluation of applicant credit.↵
Table data for Home Equity Line of Credit
 07-22-2019
Term Loan to Value APR (as low as) After introductory period (as low as) Alert Me
1-Year Fixed-Rate Introductory Period up to 80% 2.99% 5.50%
3-Year Fixed-Rate Introductory Period up to 80% 4.25% 5.50%
1-Year Fixed-Rate Introductory Period with Interest Only Payments1 up to 80% 2.99% 5.50%
3-Year Fixed-Rate Introductory Period with Interest Only Payments1 up to 80% 4.25% 5.50%
APR denotes Annual Percentage Rate. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate plus a margin with a minimum floor of 3.50% APR and a maximum ceiling of 15% APR. The rate for this loan type after the introductory period is variable and based on the applicant’s credit score at time of application.
  • 1This account has a draw period of 15 years, after which you will be required to repay any outstanding amount in one balloon payment. If only minimum payments are made, the loan balance will not decrease. Maximum loan amount $250,000.↵

NCUA and EHL