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Home Equity Rates

  50% LTV 80% LTV 81%-90% LTV
Less than 36 Months 2.49% APR** 3.44% APR** 3.99% APR**
36 to under 60 Months 2.49% APR** 3.49% APR** 4.59% APR**
60 to under 84 Months N/A 3.59% APR** 4.99% APR**
84 to under 120 Months N/A 4.24% APR** 5.79% APR**
120 to under 180 Months N/A 5.79% APR** 6.79% APR**
180 to under 240 Months N/A 8.24% APR** 9.24% APR**

Home Equity Line of Credit (Variable Rate Product)

The HELOC is now offered at 4.00% APR.†

Home Equity Application Fee: $200.00 within Pennsylvania. $350.00 out of state.

APR = Annual Percentage Rate.

**Rates quoted are an 'as low as' rate and are based on Rewards Based Lending AAA credit with Auto Pay and Payment Protection. Rates may be higher depending on credit worthiness. Auto Pay requires either payroll deduction or direct deposit, with an automatic transfer of payment due. Payment Protection requires Member Pay Credit Life and Disability Insurance for qualifying members. Add 1/2% for loans without Auto Pay and Payment Protection or add 1/4% for loans with Auto Pay only.

†The APR is subject to change quarterly on the first day of January, April, July and October to reflect any change in the Index and will be determined by the Prime Rate as published in the Wall Street Journal "Money Rates" table to which we add a margin. If the Index is no longer available, the Credit Union will choose a new index which is based on comparable information. Your rate may be higher depending on your creditworthiness. The APR will never be greater than 18.00%; The maximum adjustable rate in one quarter is 0.50%. The maximum adjustable rate in one year is 2.00%. Not all members will qualify for this product.