Consolidate Existing Debt
If you’re looking to consolidate existing debt into one simple payment, or are shopping for a lower interest rate, a Home Equity Loan may be right for you.
Fixed Home Equity Loans
Lock in a great rate with our Fixed Home Equity Loan and use the equity in your home to pay off contractors, fund a project, or plan a getaway.
With a fixed interest loan, your rate will never go up.
Simply borrow what you need to fund your project. Many people leverage the equity in their home for things like:
Make Home Improvements
Did you know you can use the equity in your home to make updates that increase its value?
Fixed Home Equity Loan Rates
| Product | Annual Percentage Rate | Max Term |
|---|---|---|
| rates starting at... | ||
| Up to 80% Loan-to-Value Home Equity Loan | 6.49% | 60 Months |
| Up to 80% Loan-to-Value Home Equity Loan | 6.75% | 120 Months |
| Up to 80% Loan-to-Value Home Equity Loan | 6.88% | 180 Months |
| Up to 80% Loan-to-Value Home Equity Loan | 7.00% | 240 Months |
| Over 80% to 90% Loan-to-Value Home Equity Loan | 7.49% | 60 Months |
| Over 80% to 90% Loan-to-Value Home Equity Loan | 8.75% | 120 Months |
| Over 80% to 90% Loan-to-Value Home Equity Loan | 8.88% | 180 Months |
| Over 90% to 100% Loan-to-Value Home Equity Loan | 8.49% | 60 Months |
| Over 90% to 100% Loan-to-Value Home Equity Loan | 9.25% | 120 Months |
| Over 90% to 100% Loan-to-Value Home Equity Loan | 9.38% | 180 Months |
| The current prime rate is: 7.00%. Rates effective as of November 4, 2026. Rates subject to change at any time. |
Disclosures and additional details
- Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.
- Property insurance is required.
- Payment example: 6.99% for 60 months equals $19.80 per $1,000 borrowed.
- Terms available up to 20 years
- Fixed monthly payment
- No application or annual fees
- No pre-payment penalties
- No closing costs for Fixed Home Equity Loans provided the initial credit line is maintained for a minimum of two years