Personal

Home Rates

  • 5 yr Fixed HELOC

    3.40%

    Loyalty APR*

  • 5 Year Fixed Home Equity

    3.50%

    Loyalty APR*

  • 30 Year Fixed Rate Mortgage
    as low as

    3.580%

    APR*

  • 15 Year Fixed Rate Mortgage
    as low as

    2.960%

    APR*

  • 5 Year Adjustable Rate Mortgage

    3.797%

    APR*

See All Rates

View Disclosures

*APR = Annual Percentage Rate

Home Equity

Home Equity is the difference between what your home is worth and how much you owe.

The amount of money you can borrow depends on the equity you have in your home. Home equity loans have favorable rates, low closing costs, and could have possible tax benefits (consult with a tax advisor for details). Want more? Check out our Home Equity video series!

Home Equity Loan

  • A one-time fixed-rate loan
  • Borrow up to 100% of your home's equity
  • Available with terms of 5, 10, 15, or 20 years⫰ 

HELOC

  • Open-end revolving line of credit
  • Borrow up to 100% of your home's equity for up to 25 years.
  • Available 5-year fixed, 10-year fixed, and variable options.
  • Your minimum monthly payment is 1% of your balance.

10 & Done Loan

Our 10 & Done Loan is like getting a 10-year fixed-rate mortgage, with a fraction of the closing costs and less paperwork and fees than a typical refinance.

  • Simple closing process
  • Closing costs could be as low as $200
  • Low, fixed rate for 10 years

Home Improvement Loan

Allows you to finance a home improvement project without the equity in your home. Borrow up to $25,000 with terms up to 180 months.

With equity, secure financing for up to 133% of your home's value, to a maximum of $250,000 with available terms of 5, 10, or 15 years.

*Interest on portion of credit extension greater than fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for information regarding the deductibility of interest and charges.

APR = Annual Percentage Rate. Fixed loan rate and expressed “as low as.” Loans subject to approval. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio and collateral conditions. Loan must be in first lien position. Includes Loyalty Discount of 0.25% APR for enrollment in direct deposit of net income and automatic payments from a Veridian account. Borrowers lose Loyalty Discount if they fail to meet qualifications during loan term. For a $50,000 10 & Done Loan amortized for 120 months at 3.74% APR, the monthly payment will be $500 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Appraisal fees may apply. Any advertised closing costs assume title guaranty and appraisal are not required. Additional costs may apply.

APR = Annual Percentage Rate. For a $50,000 home equity loan amortized for 120 months and a 4.00% APR, the monthly payment will be $507 (taxes and insurance premiums not included). Add 2.0-2.5% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply. Loyalty Discount of 0.25% APR for enrolling in direct deposit of net income and automatic loan payments from a Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term.

APR = Annual Percentage Rate. For a $50,000 home equity loan amortized for 240 months and a 5.25% APR, the monthly payment will be $337 (taxes and insurance premiums not included). Loan–to-value ratio must not exceed 80% to qualify for loan. Appraisal fees may apply.

APR = Annual Percentage Rate. Rate is fixed for first five years of the plan, and after the five-year (60-month) term expires, the rate is variable and the maximum APR is 21%. For a $30,000 five-year fixed HELOC at 3.40% APR, the monthly payment will be $300 (taxes and insurance premiums not included). Includes Loyalty Discount of 0.25% APR when enrolled in direct deposit of net income and automatic loan payments from your Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term. Add 2.50% to interest rate for loans with loan-to-value ratio over 80%. Appraisal fees may apply. 

APR = Annual Percentage Rate. Loans subject to credit approval. Rates, terms and conditions subject to change without notice and may vary based on creditworthiness, qualifications and collateral conditions. For a $20,000 Home Improvement Loan amortized for 120 months at 6.50% APR, the monthly payment will be $227. Appraisal fees may apply. Interest on any loan amount greater than the fair market value of the property is not tax-deductible for federal income tax purposes. Consult your tax advisor for further information regarding the deductibility of interest and charges.

Search the Swap Sheet

We're here to help

Fixed-Rate Home Equity Loan Calculator

@Section my_script_variables { }