Rates


1	Type	Term	APR as low as*	Monthly Payment Per $1,000
2	Home Equity Line of Credit \| Interest Only¹	10 year draw, 10 year repayment	6.50%	$11.36
3	Home Equity Loans
4	5 Year Home Improvement Only²	5 year	6.50%	$19.57
5	10 Year Home Improvement Only²	10 year	6.75%	$11.49
6	15 Year Home Improvement Only²	15 year	7.25%	$9.14
7	20 Year Home Improvement Only²	20 year	7.50%	$8.06
8	5 Year Any Purpose loan-to-value 80% or greater²	5 year	7.50%	$20.05
9	10 Year Any Purpose loan-to-value 80% or greater²	10 year	7.75%	$12.01
10	15 Year Any Purpose loan-to-value 80% or greater²	15 year	8.00%	$9.57
11	20 Year Any Purpose loan-to-value 80% or greater²	20 year	8.25%	$8.53
12	5 Year Any Purpose loan-to-value less than 80%²	5 year	6.13%	$19.40
13	10 Year Any Purpose loan-to-value less than 80%²	10 year	6.38%	$11.30
14	15 Year Any Purpose loan-to-value less than 80%²	15 year	6.63%	$8.79
15	20 Year Any Purpose loan-to-value less than 80%²	20 year	7.13%	$7.84
16	*APR is annual percentage rate. Rates effective 4/1/2026 and are subject to change without notice. Rate may vary depending on individual credit standing. ¹A home equity line of credit is a variable rate loan that may adjust semiannually. Rates are as low as 5.00% APR as a floor and a maximum APR of 18.00%. APR may be adjusted based on individual credit standing and term. Members can borrow against the available line of credit for a period of 10 years, after which time the existing balance must be paid in full by making a monthly principal and interest payment over the 10 year repayment period. Closing costs range from $0.00 to $1,000. A late fee of 5% of the payment or $25.00, whichever is greater may be charged for a payment more than 15 days late. Click for the full disclosure. ² Terms and restrictions may apply. Ask for more information. Payments do not include Real Estate Taxes and Insurance premiums. The actual payment will be greater. Minimum loan amount $10,000.

1

Type

Term

APR as low as*

Monthly Payment Per $1,000

2

Home Equity Line of Credit | Interest Only¹

10 year draw, 10 year repayment

6.50%

$11.36

3

Home Equity Loans

4

5 Year Home Improvement Only²

5 year

6.50%

$19.57

5

10 Year Home Improvement Only²

10 year

6.75%

$11.49

6

15 Year Home Improvement Only²

15 year

7.25%

$9.14

7

20 Year Home Improvement Only²

20 year

7.50%

$8.06

8

5 Year Any Purpose loan-to-value 80% or greater²

5 year

7.50%

$20.05

9

10 Year Any Purpose loan-to-value 80% or greater²

10 year

7.75%

$12.01

10

15 Year Any Purpose loan-to-value 80% or greater²

15 year

8.00%

$9.57

11

20 Year Any Purpose loan-to-value 80% or greater²

20 year

8.25%

$8.53

12

5 Year Any Purpose loan-to-value less than 80%²

5 year

6.13%

$19.40

13

10 Year Any Purpose loan-to-value less than 80%²

10 year

6.38%

$11.30

14

15 Year Any Purpose loan-to-value less than 80%²

15 year

6.63%

$8.79

15

20 Year Any Purpose loan-to-value less than 80%²

20 year

7.13%

$7.84

16

*APR is annual percentage rate. Rates effective 4/1/2026 and are subject to change without notice. Rate may vary depending on individual credit standing. ¹A home equity line of credit is a variable rate loan that may adjust semiannually. Rates are as low as 5.00% APR as a floor and a maximum APR of 18.00%. APR may be adjusted based on individual credit standing and term. Members can borrow against the available line of credit for a period of 10 years, after which time the existing balance must be paid in full by making a monthly principal and interest payment over the 10 year repayment period. Closing costs range from $0.00 to $1,000. A late fee of 5% of the payment or $25.00, whichever is greater may be charged for a payment more than 15 days late. Click for the full disclosure. ² Terms and restrictions may apply. Ask for more information. Payments do not include Real Estate Taxes and Insurance premiums. The actual payment will be greater. Minimum loan amount $10,000.