Rates as of October 1, 2025
Fixed Home Equity Loan-up to 80% CLTV*
Maximum loan amount of $500,000.00
| Term | Interest Rate | Annual Percentage Rate | Monthly Payment per $1,000.00 Borrowed |
| 5 Year | As low as 5.750% | 6.296% | $19.22 |
| 10 Year | As low as 6.000% | 6.291% | $11.10 |
| 15 Year | As low as 6.250% | 6.353% | $8.57 |
| 20 Year | As low as 6.500% | 6.667% | $7.46 |
A fixed Home Equity Loan payment based on $10,000 at 5.75% APR for 5 years is $192.17.
Fixed Home Equity Loan OVER 80% CLTV*
Maximum loan amount of $250,000.00
| Term | Interest Rate | Annual Percentage Rate | Monthly Payment per $1000.00 borrowed |
| 5 Year | 7.000% | 7.552% | $19.80 |
| 10 Year | 7.250% | 7.548% | $11.74 |
| 15 Year | 7.500% | 7.607% | $9.27 |
| 20 Year | 7.750% | 7.925% | $8.21 |
A fixed Home Equity Loan over 80% payment based on $10,000 at 7.000% APR for 5 years is $198.01.
Home Equity Line of Credit (HELOC)
10 Year Draw, 5 Year Repayment=15 Year total
| Product Description | Introductory Rate for first 12 Months | Rate after first 12 Months | Maximum Loan Amount |
| HELOC up to 80% CLTV* | 5.99% | Prime Rate | $500,000.00 |
| HELOC 100% (up to 100% CLTV*) | 6.50% | Prime Rate +.50% | $250,000.00 |
Repayment terms based on a 15-year term at 7.50% APR* (Current Prime rate) is $9.27 per month per $1000.00 borrowed.
This HELOC product has a variable rate feature and has an introductory rate of 5.99% APR* for the initial 12 months and will convert to a variable rate. The variable rate is based on the highest prime rate published in the Wall Street Journal on the first business day of each month. Current prime rate as of 07/01/2025 is 7.50% APR*. The rate will vary. Rate will never exceed 18% APR* and has a floor of 3.00% APR*. Minimum cash out $10,000.00. Minimum monthly payments are based on principal and interest of the amount advanced, amortized within the original 15-year term.
- If your loan is paid off within two years of the closing date, you will reimburse credit union for closing costs paid on your behalf.
- Other rates and terms available.
- Offer may be discontinued or changed at any time.
- Not all applicants will qualify.
- No closing costs, member is responsible for recording fees.
- The payments do not include amounts for a taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
- Homeowners insurance is required on all Mortgage and Equity loan products.
- *CLTV= Combined Loan to Value
All rates are subject to change. Please call for details.
