Home Equity Loan Rates

Effective as of October 14, 2019

Our great rates make it affordable to tap into the equity in your home. Not all products and terms are shown here, but we're happy to review all options with you if you contact us for more details.

Learn more about our home equity options →

Home Equity

Our home equity loans offer a fixed rate for predictable monthly payments.

TermRates
starting at
APR*
as low as
Payment Example**
LESS THAN 80% LOAN-TO-VALUE
5-Year
Fixed-Rate
2.990%
Rates
3.362%
APR*
$808.39
Payment Example**
10-Year
Fixed-Rate
3.490%
Rates
3.684%
APR*
$444.78
Payment Example**
15-Year
Fixed-Rate
3.990%
Rates
4.126%
APR*
$332.63
Payment Example**

Home Equity Line of Credit (HELOC)

Our HELOCs offer a 10-year maximum term. Rates are variable, and the maximum APR is 18%.

Loan AmountRate
starting at
APR
as low as
Payment Example**
Less than 90% loan-to-value
Variable-Rate
4.250%
Rate
4.447%
APR
$460.97
Payment Example**

Home Improvement

Our home improvement loan is for loan amounts up $70,000 and offers terms up to 10 years.

TermRate
starting at
APR*
as low as
Payment Example**
5-Year
Fixed-Rate
6.000%
Rate
6.383%
APR*
$869.98
Payment Example**
TermRate
starting at
APR*
as low as
Payment Example**
LESS THAN 80% LOAN-TO-VALUE
5-Year
Fixed-Rate
2.490%
Rate
2.860%
APR*
$798.43
Payment Example**

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Get Rewarded for Borrowing

With a Home Equity loan, you'll earn 8 MyPlus Rewards™ points a month per $1,000 in average daily loan balances.

General Home Equity Disclosures

HELOC Disclosures

† APR = Annual Percentage Rate. The APR for home equity lines of credit are based upon The Wall Street Journal Prime Rate ("Prime") plus a margin, and will vary with Prime. The maximum APR is 18%.

Rates are subject to change at any time without notice. The stated rates are the lowest rates available to those in good credit standing and do include any discount points. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. Closing costs will apply. Homeowner's insurance is required on the property securing the loan. New or existing Affinity Plus membership is required.

* APR = Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs.

** Payment example is based upon a loan amount of $45,000.

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