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Home Equity Rates
Our friendly rates leave you with more money to get things done.
Get a 5.99% fixed APR for 18 months and borrow up to 100% LTV with a Home Equity Line of Credit. Home equity loans and lines are available for homes in MD, DC, VA, PA, and DE.
Keeping interest charges low is a high priority for us
Whether you're upgrading your home, paying down debt or making a major purchase, you want to stretch your home equity dollars as far as possible. At Securityplus Federal Credit Union, our competitive rates help make that happen.Home Equity Rates (Closed End, Fixed Rate)
| Term | Member Pays Closing Cost¹ | SFCU Pays Closing Cost² | |
|---|---|---|---|
| LTV to 85% | 5 years | 5.50% | 7.00% |
| LTV to 85% | 10 years | 7.00% | 8.00% |
| LTV to 85% | 15 years | 7.50% | 8.50% |
¹
Minimum loan amount is $10,000.
²
Minimum loan amount is $25,000.
Home Equity Line of Credit Rates
| Term | APR1 | |
|---|---|---|
| LTV up to 80% | up to 180 mos | 6.75% (Prime* + 0.00%) |
| LTV 81% to 90% | up to 180 mos | 7.75% (Prime* + 1.00%) |
| LTV 91% to 100% | up to 180 mos | 9.75% (Prime* + 3.00%) |
Credit Union will pay closing costs on Home Equity Lines of Credit when an advance or balance transfer of $10,000 or more is taken at settlement. Member will pay closing costs if they pay off and close Home Equity Line of Credit within 12 months.
*
Prime Rate effective 12/10/2025 is 6.75% as published in the Wall Street Journal. The rate floor on this product is 3.25% and the rate ceiling is 18.00%.
1
APR = Annual Percentage Rate.
