Home Equity Rates

All rates Subject to Change Without Notice.

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Home Equity Term Loan Rates

Last update: 9/3/2020

Program NameInterest Rate/ PaymentFees/ ExpensesAPR
7 Year Fixed,
1st Mortgage
2.99%
$1,981.32
$6003.108%
10 Year Fixed,
1st Mortgage
2.99%
$1,447.72
$6003.074%
15 Year Fixed,
1st Mortgage
2.99%
$1,035.15
$6003.048%
7 Year Fixed,
2nd Mortgage*
3.25%
$1,998.40
$6003.368%
10 Year Fixed,
2nd Mortgage*
3.25%
$1,465.39
$6003.334%
15 Year Fixed,
2nd Mortgage*
3.25%
$1,053.72
$6003.308%

Rate, APR & Payment based on a $150,000 loan amount.

Rates, fees, expenses and APR are based on a loan amount of $150,000 for conforming loans and for owner-occupied, single-family dwellings.

  • Maximum loan-to-value ratio of 80%
  • Beacon score of 650 or greater for at least one applicant
  • Rates and terms above apply to primary residence only
  • Non-purchase transactions only
  • Minimum loan amount $10,000/Maximum loan amount $150,000**
  • Property insurance required, including flood insurance (if applicable)

*2nd mortgage only behind a Home Federal 1st mortgage.

**For rates and fees on loan amounts over $150,000 please contact us.

Home Equity Line of Credit Rates

Last Update: 9/3/2020

Program NameInterest RateFees/ ExpensesAPR
Special Promotion*1.99% for 1st 6 months,
then U.S. Prime**
None***1.990%
Home Federal Refinance3.75%**$780-$9303.750%

* No refinance or modification of existing Home Federal loans

** Rates may vary

***Reimbursement fee of all 3rd party fees will be charged if the loan is terminated within the first 36 months

  • Rates and APRs are based on amounts of $150,000 for owner-occupied, single-family dwellings. HELOCs contain a variable-rate feature, and interest rates may increase over the term.
  • Interest only payments
  • Loan term 120 payments
  • Minimum rate of 3.75%, subject to change monthly based on U.S. Prime rate. Maximum rate of 5% above initial rate, up to 18%.
  • Minimum loan amount $25,000/Maximum loan amount $150,000**
  • Maximum loan-to-value ratio of 80%
  • Beacon score of 650 or greater for at least one applicant
  • Owner-occupied single-family primary residence only
  • 2nd mortgage loans only behind a Home Federal 1st mortgage
  • Annual fee of $36 may apply after the first year if the HELOC is not accessed within the first 12 months
  • Property insurance required, including flood insurance (if applicable)
  • For rates and fees on credit limits over $150,000, please contact us.
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