Rates

Home Equity & Home Improvement

These rates are effective November 1, 2019 7:00AM.

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Home Equity Fixed

Name APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) Fixed Home Equity 3.85% 3.60% $456
10 and Done Fixed Home Equity 4.34% 4.09% $254
10 Year (120 mos.) Fixed Home Equity 4.35% 4.10% $254
15 Year (180 mos.) Fixed Home Equity 4.85% 4.60% $192
20 Year (240 mos.) Fixed Home Equity 5.30% 5.05% $166

Monthly payment example based on loan amount of $25,000.

Home Equity Line of Credit (HELOC)

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) 3.75% 3.50%
10 Year (120 mos.) Fixed Home Equity (Line of Credit) 4.25% 4.00%

Maximum APR is 21%. Add 2.0-2.5% to interest rate for loans with loan-to-value ratio over 80%. The required minimum payment of $50 or 1% of loan balance, whichever is greater, may not reduce principal. For a $25,000 Home Equity Line of Credit balance at 3.50% APR, the monthly payment will be $250.

Home Improvement Loans

Secured with your home

Finance up to 133% of your home's value, up to $250,000.

Name APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) 6.35% 6.10% $485
10 Year (120 mos.) 6.50% 6.25% $281
15 Year (180 mos.) 6.55% 6.30% $215

Unsecured

Level I ($2,000 - $10,000) APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) 8.00% 7.75% $504
10 Year (120 mos.) 8.50% 8.25% $307
Level II ($10,001 - $25,000) APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) 7.50% 7.25% $498
10 Year (120 mos.) 8.00% 7.75% $300
15 Year (180 mos.) 8.50% 8.25% $243

Monthly payment example based on loan amount of $25,000. 

* 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 Discount of 0.25% APR when enrolled in direct deposit of net income and automatic loan payments using a Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term.

Payment example does not include taxes or insurance. Loan must be in first lien position.

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