Home Equity

Home Equity Loans

5 to 10 Year Fixed Rate

• 80% loan-to-value financing based on appraised value
• Simple interest
• No prepayment penalty
• Must be primary residence

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Home Equity Line of Credit - "HELOC"

10 Year Draw Period/10 Year Principal and Interest Payback Period

• 80% loan-to-value financing based on appraised value
• Prime or Prime Plus interest rate based on credit score.
• Prime interest rate based on Wall Street Journal is subject to change monthly.
• $100 Document Preparation Fee for new loans
• Must be primary residence
• $20,000 or more credit limit and CU pays most of the closing costs
• Great for unplanned emergencies, school tuition, remodeling, etc.

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Vacant Property Loans

10 or 15 Year Fixed Rate

• 75% loan-to-value financing based on appraised value
• Simple interest
• No prepayment penalty

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Home Equity

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