Home Equity & Home Improvement
Schedule an appointment with one of our loan experts, Apply for a Home Equity Loan, or learn more about home equity loans.
| Name | APR as low as* | Loyalty APR as low as° | Payment* |
|---|---|---|---|
| 5 Year (60 mos.) Fixed Home Equity | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 10 & Done⫧ | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 10 Year (120 mos.) Fixed Home Equity | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 15 Year (180 mos.) Fixed Home Equity | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 20 Year (240 mos.) Fixed Home Equity | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
Lines of credit have a 25-year term with a fixed rate for the first 5 or 10 years and a variable rate after.
| Name | APR as low as* | Loyalty APR as low as° |
|---|---|---|
| 5 Year (60 mos.) Fixed Home Equity (Line of Credit) | [ Show Rate ] | [ Show Rate ] |
| 10 Year (120 mos.) Fixed Home Equity (Line of Credit) | [ Show Rate ] | [ Show Rate ] |
Lines of credit have a 25-year term. With a variable-rate HELOC, your rate will change when the Federal Reserve adjusts the Prime Rate over the whole term of the loan.
| Name | APR as low as* | Loyalty APR as low as° |
|---|---|---|
| Variable Rate Home Equity (Line of Credit) | [ Show Rate ] | [ Show Rate ] |
Secured with your home.
| Name | APR as low as* | Loyalty APR as low as° | Payment* |
|---|---|---|---|
| 5 Year (60 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 10 Year (120 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
Borrow up to $25,000 with terms between 5 and 15 years based on your credit rating.
| Level I ($2,000 - $10,000) | APR as low as* | Loyalty APR as low as° | Payment* |
|---|---|---|---|
| 5 Year (60 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 10 Year (120 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| Level II ($10,001 - $25,000) | APR as low as* | Loyalty APR as low as° | Payment* |
|---|---|---|---|
| 5 Year (60 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 10 Year (120 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 15 Year (180 mos.) | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
* APR = Annual Percentage Rate. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval.
° Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. See Veridian for details.
⫧ Payment example does not include taxes or insurance. Loan must be in first lien position.
Home equity loans only available in Iowa, Nebraska and Minnesota and do not include escrow. All loans subject to membership and approval. Appraisal fees may apply. See Veridian for details.