Personal Home Equity Rates

Home Equity Loans

Term

Annual Percentage Rate (APR)*(as low as)

*APR = Annual Percentage Rate. Current APR as of 2/6/2024 is 6.99% APR for 5 years, 7.24% APR for 10 years, 7.49% APR for 15 years and 7.74% APR for 20 years. Assumes great credit, loan is in first lien position and <80% loan to value. If loan is in second lien position and is greater than 80% loan to value, add 1% to the above rate for each term.  Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $150,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply.

Term

5 years

Annual Percentage Rate (APR)*(as low as)

6.99%

Term

10 years

Annual Percentage Rate (APR)*(as low as)

7.24%

Term

15 years

Annual Percentage Rate (APR)*(as low as)

7.49%

Term

20 years

Annual Percentage Rate (APR)*(as low as)

7.74%

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Home Equity Line of Credit

5.99% APR*

9 Month Introductory Rate

Plus, no closing costs!*

Don’t wait, apply now! Call 757-877-2444 or Apply Now

*APR = Annual Percentage Rate. Current APR as of 2/6/2024. Rates as low as 5.99% fixed for nine months includes +0.00 margin and assumes great credit and loan to value <80%. Minimum floor rate of 5.99% APR and a maximum rate of 18% APR. Initial draw at closing at least $20,000 required for introduction rate. Rates and terms will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Introductory offer not available for refinances of existing 1st Advantage home equity loan/line of credit. No closing costs, excluding appraisal fee if required, for new loans of $150,000 or less. Not available for home purchase or investment properties. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer.

5.99% APR*

8.50% APR*

9 Month Introductory Rate

Variable thereafter

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