Home Equity Loan Rates
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.
Home Equity
Our home equity loans offer a fixed rate for predictable monthly payments.
| Term |
Rates
starting at
|
APR*
as low as
|
Payment Example**
for a $45,000 loan
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
LESS THAN 80% LOAN-TO-VALUE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
5-Year
Fixed-Rate
|
5.490% | 5.898% | $859.34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
10-Year
Fixed-Rate
|
5.740% | 5.957% | $493.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
15-Year
Fixed-Rate
|
6.240% | 6.395% | $385.60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Home Equity Line of Credit (HELOC)
Our HELOCs offer a 10-year maximum term. Rates are variable, and the maximum APR is 18%.
| Term |
Rates
starting at
|
APR*
as low as
|
|
|---|---|---|---|
|
Less than 90% loan-to-value Variable-Rate
|
6.000% | 6.218% | $499.59 |
Home Improvement
Our home improvement loan is for loan amounts up $70,000 and offers terms up to 10 years.
| Term |
Rates
starting at
|
APR*
as low as
|
Payment Example**
for a $45,000 loan
|
|---|---|---|---|
|
5-Year Fixed-Rate
|
7.240% | 7.655% | $896.16 |
|
8-Year Fixed-Rate
|
7.740% | 8.013% | $630.22 |
|
10-Year Fixed-Rate
|
8.240% | 8.468% | $551.70 |
Home Solar Loan
| Term |
Rates
starting at
|
APR*
as low as
|
Payment Example**
for a $45,000 loan
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
LESS THAN 80% LOAN-TO-VALUE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
5-Year Fixed-Rate
|
5.490% | 5.898% | $859.34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
10-Year Fixed-Rate
|
5.740% | 5.957% | $493.74 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
15-Year Fixed-Rate
|
6.240% | 6.395% | $385.60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Home Equity General Rate Disclosures
* APR = Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs.
** Payment examples are based upon a $45,000 loan and include finance charges.
The stated rates are the lowest rates available to those in good credit standing and do not 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.
HELOC Rate Disclosures
† The annual percentage rate (APR) for home equity lines of credit is based upon The Wall Street Journal Prime Rate ("Prime") plus a margin, and will vary with Prime. The maximum APR is 18%.
Closing costs will apply ranging from $340 - $1,000. Ranges are based on a minimum loan amount of $10,000 and a maximum of $100,000.
Home Improvement Loan Disclosures
The rate is effective as of October 1, 2024, and is subject to change based on market conditions and borrower eligibility. The stated rate is a fixed rate. Actual rates are based on credit history, loan term, and Loan-to-Value (LTV). Your rate may be higher if you don't have a mortgage with Affinity Plus. All loans are subject to credit approval.
Closing costs will apply and will range from $340-$1,000. Ranges are based on minimum loan amount of $5,000 and maximum of $70,000.
Homeowner’s property insurance is required.
Your APR may be higher based your credit qualifications, Combined Loan-to-Value (CLTV), and/or property type.