Home Equity Loan

Home Equity Fixed Rate Loan — up to $100,000

Perfect for securing a loan with your home to obtain a low interest rate for one-time projects or to refinance an existing loan.

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The Home Equity Fixed Rate loan can be a first mortgage or a second mortgage. We have various forms of this loan type, offering different loan minimums and maximums.

A fixed interest rate means that the rate will stay the same throughout the life of the loan.  We also have Balloon Payment options available to make monthly payments more palatable.

Features:

  • Minimum loan Amount: $5,000
  • Current rate: 4.75%* APR (as low as rate)
  • Fixed Terms: minimum 10 years.  (Example: 120 monthly payments of $52.44 per $5000 borrowed at 4.75% APR)
  • Ask us how much equity in your home is needed (85% ltv)
  • Payment amount: minimum $50 to principal
  • NO Annual Fee
  • For owner occupied properties only

For your current rate(s), see our rate sheet.

Home Equity Fixed Rate Loan — Over $100,000

Perfect for securing a loan with your home to obtain a low interest rate for one-time projects or to purchase or refinance an existing loan.

Apply Here

The Home Equity Fixed Rate loan over $100,000, can be a first mortgage or a second mortgage. A fixed interest rate means that the rate will stay the same throughout the life of the loan.  We have a Balloon Payment options available to make monthly payments more palatable.

Features:

  • Minimum loan Amount: $100,001
  • Up to a 30-year amortization on balloon options
  • Current rate: 4.00%* APR (as low as rate)
  • Fixed Terms: minimum 15 years.  (Example: 180 monthly payments of $739.69 per $100,000 borrowed at 4.00% APR)
  • Balloon Terms: minimum 15 years with balloon payment. (Example: 180 monthly payments of $491.94 with a balloon payment due of $65,885.23 borrowed at 4.25% APR)
  • Ask us how much equity in your home is needed (85% ltv)
  • Payment amount: minimum $50 to principal
  • NO Annual Fee
  • For owner occupied properties only

*Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit condition, term of loan, lien position and payment option. All Loans are subject to approval. Regular terms and conditions apply. Rates shown are subject to change without notice. See our Home Equity disclosure for details or call us at 800-477-3328. Loan terms available may vary depending on amount borrowed, credit history, or payment method. Call or see branch for details. PCFCU is an Equal Opportunity Lender. See your professional tax advisor for tax advantages, advice and/or question(s).

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Visit one of our branches today and speak with an experienced mortgage member service person to help match the best product for your current needs.

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Loan Calculator

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