We offer three types of loans secured by your home's equity. 

 

Home Equity Loans

Home Equity Loan

Funds Disbursement

Lump sum.
 
 

Interest Rate

Fixed rate and a fixed payment for the life of the loan.
 
 
 

Terms

Maximum: 180 months. 
 
 

Benefits

Interest may be tax deductible. Monthly payment amount is locked for the life of the loan.

HELOC

Home Equity Line of Credit

Funds Disbursement

Revolving line of credit. Draw what you need when you need it. Draw period is the initial 120 months.

Interest Rate

Adjustable rate, subject to adustment every three months. Monthly payments during the first 120 months is interest only. When draw period expires, monthly payments increase to include prinicpal plus interest for the next 120 months.

Terms

240 months: first 120 months is the draw period when members may take advances; second 120 months is repayment period.

Benefits

Interest may be tax deductible. Useful when unsure of how much will be needed upfront.
 

EuityFlex

EquityFlex

Funds Disbursement

Lump sum.
 
 

Interest Rate

Adjustable rate with a fixed payment that adusts every five years.
 
 
 

Terms

Maximum: 240 months.
 
 

Benefits

Interest may be tax deductible. Often has lower monthly payments than other home equity products.

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