Home Equity Rates
All rates Subject to Change Without Notice.
Home Equity Term Loan Rates
Last update: 4/14/2026
| Program Name | Interest Rate/ Payment | Fees/ Expenses1 | APR |
|---|---|---|---|
| 7 Year Fixed, 1st Mortgage | 5.75% $2,171.97 | Zero Closing Costs | 5.75% |
| 10 Year Fixed, 1st Mortgage | 5.75% $1,645.49 | Zero Closing Costs | 5.75% |
| 15 Year Fixed, 1st Mortgage | 5.75% $1,244.82 | Zero Closing Costs | 5.75% |
| 20 Year Fixed, 1st Mortgage | 5.75% $1,052.62 | Zero Closing Costs | 5.75% |
| 7 Year Fixed, 2nd Mortgage | 6.00% $2,189.83 | Zero Closing Costs | 6.00% |
| 10 Year Fixed, 2nd Mortgage | 6.00% $1,664.20 | Zero Closing Costs | 6.00% |
| 15 Year Fixed, 2nd Mortgage | 6.00% $1,264.95 | Zero Closing Costs | 6.00% |
| 20 Year Fixed, 2nd Mortgage | 6.00% $1,074.11 | Zero Closing Costs | 6.00% |
1Reimbursement Fee of all 3rd party fees will be charged if the loan is terminated within the first 36 months.
- Rates and APRs listed above are based on amounts of $150,000 for owner-occupied, single-family dwellings serving as a primary residence and are for non-purchase transactions with a minimum 650 credit score for at least one applicant and a maximum LTV of 80%.
- Minimum loan amount available is $10,000/Maximum loan amount available is $500,000; for rates and fees on loan amounts under $30,000 or over $500,000, please contact us.
- Property insurance is required, including flood insurance (if applicable).
- Monthly payments shown do not include amounts for property taxes and insurance premiums; if included, actual payment obligation will be greater.
Home Equity Line of Credit Rates
Last Update: 4/14/2026
| Program Name | Interest Rate1 | Fees/ Expenses2 | APR1 |
|---|---|---|---|
| Special Promotion3 | 4.99% for 1st 6 months, then US Prime1 | Zero Closing Costs4 | 4.99% for 1st 6 months, then US Prime1 |
1Rates are variable. Minimum rate of 4.5% is subject to change monthly based on the U.S. Prime Rate as published in the Wall Street Journal (currently 6.75%).
Maximum rate of 18% APR.
3Not available for refinancing or modifying existing Home Federal loans.
4Reimbursement fee of all 3rd party fees will be charged if the loan is terminated within the first 36 months.
- Rates and APRs listed above are based on amounts of $150,000 for owner-occupied, single-family dwellings serving as a primary residence and are for transactions with a minimum 650 credit score for at least one applicant and a maximum LTV of 80%.
- Minimum loan amount available is $25,000/Maximum loan amount available is $500,000: for rates and fees on loan amounts over $500,000, please contact us.
- Loan term is 120 payments of interest only payments; paying interest only will result in a balloon payment of all outstanding principal and interest due on the maturity date of the loan. Additional payments to principal are allowed at any time.
- Property insurance is required, including flood insurance (if applicable).