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Home Equity Loans

  • No Closing Costs*
  • No Monthly Fees
  • Easy Automatic Payments (monthly, semi-monthly, bi weekly, or weekly)

HOME EQUITY LINE OF CREDIT: You can establish a line of credit based on the equity in your home with a minimum initial advance of $5,000. After that you can get advances of $500 or more with just a phone call, home banking transaction, or a visit to the credit union. Average closing costs range from $281 to $681. The HELOC variable rate is based on the Prime Rate plus .50% and is subject to change January 1 and July 1 not to exceed a change of 2% per year.

Home Equity Fixed Rates: Lower your payments or accelerate your payoff date on your 1st or 2nd mortgage loans with our Low Fixed Rates!

Closed end fixed 1st mortgage 3.25% APR** - 5 Years 4.25% APR - 10 Years
Closed end fixed 2nd mortgage 3.99% APR - 5 Years 4.99% APR - 10 Years

*$50,000 minimum to waive closing costs.  Loans under $50,000 closing costs range from $281-$681.

**Annual Percentage Rate.  Add .25% if you do NOT enroll in automatic payments.  No more than 80% loan to value.  Rates are subject to change.

Payment example: $50,000 at 3.25% for 60 months is $904.06 per month.