Become a Member

Home Equity Loans

拥有自己的房子最大的好处之一就是能够利用你的房子来帮助支付生活中意想不到的开支和机会——不管它们是什么.

Apply Now

Fixed 10 & 15-Year Home Equity Loan:

  • 借款人会收到一笔一次性的预付款
  • 贷款不超过766,550美元(任何超过100,000美元的贷款都需要评估)
  • 10年和15年的还款期限，在贷款过程中有固定的、可预测的付款
  • Low fixed interest rate for the life of the loan
  • 快速审批使您的资金在任何时间
  • 可能的税务优惠(请咨询您的税务顾问)

Apply for a Home Equity Loan

Schedule an Appointment

Home Equity Line of Credit

  • Take advances as often as you need them
  • 信用额度1万美元起，月供较低
  • ​​No restrictions on how you spend your funds
  • 快速审批使您的资金在任何时间
  • 利息只在资金提取时产生
  • Variable rates as low as 8.50% APR*
  • 可能的税务优惠(请咨询您的税务顾问)
  • 可选的贷款保护覆盖，将接管你的贷款支付，如果你成为残疾, deceased, or unemployed 

Apply for a HELOC

Schedule an Appointment

Fixed Home Equity Loan Rates

Term Rate Points APR as low as*
10-year HEL 8.125% 0 8.206%
15-year HEL 8.375% 0 8.434%

Home Equity Line of Credit Rates

Name APR as low as*
Home Equity Line of Credit 8.50%

*Annual Percentage Rate (APR). 年利率是可变的，是最低的利率. 年利率是基于优惠利率加上由你的信用评分和房屋贷款价值比决定的保证金. The maximum APR is 15%. Subject to credit approval. 自动估值模型(AVM)将用于确定HELOC请求的权益，金额低于75美元,000. 如果会员不同意AVM的价值，他们可以选择自费购买评估. 根据每个成员的具体情况，贷款有结算成本. Subject to change without notice.

** Annual Percentage Rate (APR). 利率是信用合作社的标准利率，经常变化. Advertised APR is lowest rate available. 年利率是按10万美元抵押贷款计算的，业主拥有的独立家庭拥有780 FICO. Subject to credit approval. Appraisal required for amounts over $100,000. 自动估值模型(AVM)将用于确定房屋净值贷款请求的股权. Some restrictions apply. 计划、价格、条款及条件如有更改，恕不另行通知.